Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the bankruptcy entry listed on my Experian credit report under the court name " XXXX XXXXXXXX CT IL XXXX '' with the reference number XXXX. The report lists this as a public record from the United States Bankruptcy Court in the XXXX XXXX XXXX Illinois ( XXXX XXXX ). However, this information is inaccurate and should be removed immediately. 

Details of the Disputed Entry : Court Name : XXXX XXXX CT IL XXXX Court Address XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Type of Record : Bankruptcy Reference Number : XXXX Report Number : XXXX The United States Bankruptcy Court has clearly stated that it does not report any information to credit bureaus. According to a letter from the court system, the court is not responsible for verifying or validating information on consumers credit reports and does not furnish such information to credit reporting agencies. Therefore, this bankruptcy entry is inaccurate and unverifiable. 

Additionally, the credit report contains an address associated with this bankruptcy that is incorrect. The address listed is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, IL XXXX. 

I have never lived at this address nor used it on any applications. I request that you provide proof of me ever living at this address and having reported it in connection with any credit-related activity. Reporting inaccurate information violates the Fair Credit Reporting Act ( FCRA ). 

Supporting Information : In accordance with the FCRA, credit reporting agencies are required to ensure that the information they report is both accurate and verifiable. The bankruptcy entry in question does not meet this standard since it was not directly reported by the court and appears due to inaccurate public record retrieval. Additionally, the incorrect address associated with the record further demonstrates the inaccuracy of this information. As such, both the bankruptcy entry and the incorrect address should be removed from my credit report. 

Furthermore, the FCRA ( 15 U.S.C. 1681c ) limits the reporting of bankruptcy cases to no more than 10 years from the date of filing. Although my primary concern is the accuracy of this entry, it is essential to note that credit reporting agencies must comply with these time limitations. 

Requested Action : Given that the court has confirmed it does not report this information, and considering the incorrect address associated with the bankruptcy, I respectfully request that Experian immediately remove this inaccurate bankruptcy entry and associated address from my credit report. 

Please review the information provided and notify me of the results of your investigation. I expect this matter to be resolved promptly, in accordance with the FCRA, to ensure my credit report accurately reflects my financial history. 

I appreciate your attention to this matter. Please provide confirmation once the erroneous entry and address have been removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation