Consumer complaint received 2025-01-15 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: GA

Complaint narrative:
I started a dispute about a credit place a bankruptcy note on an account with Experian, which violates my right to privacy under the fair credit act, I also went down to the federal courts and got a notarized letter, from that courts stating that they do not, report to any credit agencies about any bankruptcy.. the dispute was only updated and a statement saying it will remain on my credit file for 7 more year I am seeing different accounts form other creditors that I have been disputing with Experian, XXXX, and XXXX, since my data was apart of an information breeches by one or more of these agencies, I have tried disputing with all three agencies over and over again, since all agencies have placed these accounts on my credit file, I am unable to get credit, I have also made a identity theft report with the FTC, and submitted to them all and the still come back verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Formal Request for Investigation Procedure Details and Immediate Removal of Inaccurate Information To Whom It May Concern, I am writing regarding inaccuracies in my credit report, which I disputed on XX/XX/XXXX, and XX/XX/XXXX. Despite submitting supporting evidence, Experian completed its investigation on XX/XX/XXXX, and marked the disputed items as verified. These disputes pertain to the following : XXXX Accounts XXXX XXXX XXXX I supplied a notarized letter from the XXXX, GA XXXX XXXX stating they do not report to any credit agency. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a detailed description of the procedures used to verify the accuracy and completeness of the disputed information, specifically : Who Experian consulted during the investigation of these items.

The methodology and evidence relied upon to reach your conclusions.

Immediate Action Required Due to Part 605B of the Fair Credit Reporting Act and the recent lawsuits filed against Experian, I am demanding the immediate removal of all the above inaccurate accounts, identifiers, and addresses from my credit report. This must be completed within 72 hours of receipt of this letter.

Data Breach and Next Steps Additionally, given that my personal data was exposed during Experians recent data breaches, I believe this mishandling has exacerbated the harm caused by these inaccuracies. If these issues are not addressed promptly, I will proceed with : 1. Filing formal complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Pursuing legal action for defamation of character and damages caused by XXXX negligence. 

This letter serves as a formal demand for resolution. Please rectify these inaccuracies immediately and provide written confirmation of their removal. You XXXX contact me at the address above or by phone at [ insert your phone number ]. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX These were some of they accounts I have ask them to look into, also including the various closed student loan accounts that was placed on my account

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