Consumer complaint received 2025-07-01 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: MO

Complaint narrative:
I am writing to formally dispute the accuracy of my credit report file, specifically concerning a bankruptcy marked as discharged but still inaccurately reported on my credit profile. Despite my repeated notifications and previous disputes submitted to your agency, your procedures have failed to comply with the Fair Credit Reporting Act ( FCRA ) mandates

and Metro 2 CDIA guidelines. 1. Inaccurate Reporting of Discharged Bankruptcy Per the U.S. Bankruptcy Code, my bankruptcy case is : Public Record : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed : XX/XX/2020 Continued inaccurate reporting of this bankruptcy misrepresents my financial status and violates the following legal provisions : FCRA 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation upon dispute to ensure accuracy.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Failure by furnishers of information to provide accurate data after notice of dispute.

Metro 2 CDIA Compliance : Failure to update the bankruptcy status to " Discharged '' consistently across all reporting fields and failure to correctly mark all included accounts with appropriate status codes.

Reporting Inaccuracies Identified : Date Filed : The bankruptcy is reported with inconsistencies in various versions of the report.

Status : The account should be clearly marked as " Discharged. '' However, multiple entries inconsistently reflect this status.

Court : The court jurisdiction is either missing or misrepresented.

Case Number : The number is reported inaccurately or inconsistently across historical records.

Debts Discharged : All debts included in this bankruptcy must reflect a " Discharged '' status, which is currently not uniformly applied.

2. Accounts Included in Bankruptcy The following accounts were included in the bankruptcy and must be updated accordingly to reflect " Included in Bankruptcy '' : Each of these accounts must be updated with the correct Metro 2 compliance coding.

Special Comment Code : " D '' Account Status Code : " C '' ( XXXX XXXX ) or as appropriate for the specific bankruptcy type.

Failure to report these accounts accurately is a violation of : FCRA 611 and 623 Metro 2 Reporting Standards Demand for Immediate Correction Under FCRA 611 and 623, I demand immediate reinvestigation and correction of all inaccuracies noted. The failure to apply the appropriate Metro 2 codes and failure to ensure consistency in reporting constitutes willful noncompliance.

If the requested corrections are not completed within the 30-day window as mandated by law, I will initiate legal proceedings under FCRA 616 and 617, seeking : Statutory damages up to {$1000.00} per violation Punitive damages Legal costs and attorneys fees This letter serves as your formal notice. I expect your agency to address this matter with the urgency and seriousness it warrants.

Supporting Documentation Enclosed you will find : Copies of supporting documentation A copy of this letter for your records Please send written confirmation once these inaccuracies have been corrected.

Additional Notice of Legal Concern I am also formally contesting any inaccurate or undocumented information in my credit report, as permitted under the FCRA and Metro 2 standards. The alleged delinquency and inquiries lack supporting evidence. If you can not provide documented proof of the account 's origin and your permissible purpose to report such data, you must delete the entries from my file.

Please ensure the accuracy of all reported data. Any reporting that is false, unverifiable, outdated, or unlawfully retained must be corrected or deleted. I request updated physical documentation of your findings and an updated credit report reflecting the corrections.

Public Records Being Challenged XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Final Remarks Are entities responsible for reporting consumer credit information legally obligated to ensure that reporting is fair, accurate, complete, and compliant? 

If so, then your continued reporting of mixed, merged, or inconsistent informationespecially after being previously notified in writingis unacceptable. Any refusal to investigate, correct, or prove the accuracy and lawfulness of such reporting practices will not be tolerated. 

I am especially concerned about the harm caused by : Incorrect status and activity dates Mixed or merged file data Inaccurate balances and remarks These directly impact my creditworthiness, including : XXXX Score Credit-to-balance ratio Debt-to-income ratio They may interfere with my ability to qualify for a mortgage, auto loan, or employment opportunity. 

This is your final notice to correct the errors and fulfill your legal obligations.

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