Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
After reviewing my credit report, I noticed that there is a U.S. Bankruptcy Court items listed on my reports. Per the FCRA 623 ( a ) ( 50 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The original creditor in this case would be the U.S. Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm the Recorder Public records. 

XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court system due to the Fair Credit Reporting Agency Privacy Law. 

Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW, You, EXPERIAN, XXXX XXXX, are breaking the law and are committing fraud as, as you never validated or verified these public record entries on my credit report which is a violation of 15 USC 1681a ( e ). An investigation consumer report is when any portion of which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information.

You are also violating Q5 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. 

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 

You, EXPERIAN, XXXX XXXX and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family. 

I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a suit. 

Failure to respond in a satisfactory manner within 30 days of receipt of this, will result in a small claims action against your company. 

I will be seeking no less than {$5000.00} in damages for, but not limited to : Defamation Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

Without Prejudice, All natural Inalienable Rights Reserved

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