Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT BANKRUPTCY ENTRY VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) AND REGULATION V To Whom It May Concern : I, XXXX XXXX XXXX XXXX, hereby submit a formal legal dispute regarding a falsely reported XXXX XXXX bankruptcy currently listed in my credit files maintained by XXXX, Experian, and XXXX. This entry is materially inaccurate, unverifiable, and fraudulent in its nature and structure. It constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Regulation V ( 12 C.F.R. Part 1022 ), and other applicable federal consumer protection laws. This dispute is further supported by FTC Identity Theft Report No. XXXX, which confirms I am a documented victim of identity theft. 

SECTION XXXX INVALIDITY OF THE RECORD DUE TO MATERIAL INACCURACY AND DOCUMENTARY FRAUD The bankruptcy record reported under the reference numbers XXXX, XXXX, and XXXX across the three credit bureaus is legally invalid and must be treated as fraudulent, as it presents factual inconsistencies and documentary defects that render it incompatible with the law. Specifically : There is no valid federal bankruptcy court case number provided, which prevents verification through XXXX and fails to meet the requirements for reporting public records. 

The court names reported ( U.S. Bankruptcy Court, Federal, and XXXX XXXX XXXX XXXX XXXX  ) are either vague, incomplete, or non-standard and do not correspond to any identifiable jurisdiction, violating the standard of verifiability under 12 C.F.R. 1022.42 ( c ). 

All versions of the record report XXXX dollars in assets, liabilities, and exemptions, which contradicts the basic structure of a lawful XXXX XXXX bankruptcy filing. 

Different reference numbers are assigned to the same supposed case across bureaus, indicating improper Metro 2 formatting and a failure of inter-agency consistency required under the FCRA. 

The date the bankruptcy is reported to have been filed ( XX/XX/XXXX ) matches the date I reported identity theft to the FTC, which is a direct chronological conflict and a strong indication that the entry is not legitimate. 

SECTION II DISPUTED RECORD DETAILS XXXX Reported Date : XX/XX/XXXX Reference Number : XXXX Court : XXXXXXXX XXXX XXXX Discharge Date : XX/XX/XXXX Reported Amounts : {$0.00} assets, {$0.00} liabilities, {$0.00} exemptions Experian Reported Date : XX/XX/XXXX Reference Number : XXXX Court : XXXX XXXX XXXX XXXX XXXX  Discharge Date : XX/XX/XXXX Reported Amounts : {$0.00} assets, {$0.00} liabilities, {$0.00} exemptions XXXX  Reported Date : XX/XX/XXXX Reference Number : XXXX Court : Federal ( unspecified ) Discharge Date : Not reported Reported Amounts : {$0.00} assets, {$0.00} liabilities, {$0.00} exemptions SECTION III LEGAL BASIS Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Obligation to ensure maximum possible accuracy 15 U.S.C. 1681i : Right to dispute and obtain a reasonable reinvestigation 15 U.S.C. 1681c-2 : Right to block identity theft-related information 15 U.S.C. 1681s-2 ( a ) : Furnishers may not report inaccurate or unverifiable information Regulation V 12 C.F.R. 1022.42 Credit reporting agencies must verify all public record information with original, official sources and may only report data that is accurate, complete, and fully documented. 

SECTION IV RELEVANT CASE LAW AND REGULATORY ENFORCEMENT XXXX XXXX XXXX Experian Information Solutions, LLC, XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) CFPB XXXX Experian Information Solutions Inc., Case No. XXXX XXXX XXXX XXXXXXXX, XXXX ) CFPB Enforcement Action Against XXXX XXXX XX/XX/XXXX SECTION V LEGAL DEMANDS Pursuant to my rights under federal law, I hereby demand : Immediate and permanent deletion of the fraudulent bankruptcy record from all credit reporting databases. 

Blocking of the entry in accordance with 15 U.S.C. 1681c-2 to prevent future reappearance.

Full disclosure of the method of verification used to report and validate the entry, pursuant to 15 U.S.C. 1681i ( 7 ). 

Notification to all third parties who received my credit report in the last twenty-four months, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( D ).

Written confirmation of the above actions within thirty ( 30 ) days from the date of this notice.

SECTION VI NOTICE OF LEGAL LIABILITY Failure to comply with the above will constitute a violation of the Fair Credit Reporting Act and Regulation V, and I reserve the right to pursue legal action for statutory and actual damages under 15 U.S.C. 1681n and 1681o. This correspondence may also be filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any relevant state regulatory agency.

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