Consumer complaint received 2025-07-08 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: NY

Complaint narrative:
Subject : Urgent Complaint : My Bankruptcy on Experian is Inaccurate The Court Itself Says It DOES NOT Report It!

Dear Sir or Madam at the CFPB, I'm writing to you today with a very serious complaint about something Experian continues to show on my credit report, even though I have solid proof that it's incorrect. It's about a XXXXXXXX XXXX bankruptcy entry.

Here are the details of what's appearing : * Credit Bureau : Experian * The Problem : Bankruptcy information that shouldn't be there.

* What's Disputed : A XXXX XXXX bankruptcy that was discharged. 
* It was filed on : XX/XX/XXXXXXXX XXXX It was resolved on : XX/XX/XXXXXXXX XXXX The Court is : US BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've been dealing with this for a while now. I've disputed this bankruptcy with Experian several times. Their latest response, from just today ( XX/XX/XXXX ), says the bankruptcy " Remains '' on my report and claims that " The company that reported the information has certified to Experian that the information is accurate. '' But here 's where the big problem is : I have an official, direct letter from the United States Bankruptcy Court for the XXXX XXXXXXXX XXXX XXXX XXXX itself, dated XX/XX/XXXX ( I've attached a copy ). In that letter, the Court clearly and unequivocally states : " In response to your inquiry, the United States Bankruptcy Court does not report to any of the credit reporting agencies and has no jurisdiction over credit reporting agencies. '' This is a direct contradiction. If the Bankruptcy Court itself says it doesn't report to Experian or any other credit agency, then how can Experian claim that " the company that reported '' " certified '' the information as accurate to them? It doesn't make sense. It sounds like the information is coming from a source that isn't reliable or doesn't have firsthand knowledge. 
I've contacted XXXX XXXX their main sources and they have saying is unverifiable and delete from my records.... then how expirian verified this account.

I've been trying requests according to verification but they not send me all the proof or process how they're doing.

I understand that under the Fair Credit Reporting Act ( FCRA ), agencies like Experian are required to ensure the maximum possible accuracy of information on our reports and to properly investigate disputes. If the Court itself denies reporting, then Experian is maintaining information that either lacks a verifiable source or is, at the very least, misleading.

I kindly ask that you please investigate this thoroughly and order Experian to immediately remove this bankruptcy entry from my credit report. This incorrect information is harming me and negatively impacting my financial life.

Thank you in advance for your help in resolving this very important matter.

Sincerely, * Copy of my Experian Credit Report ( dated XX/XX/XXXX ) showing the bankruptcy entry. 
* Copy of the Letter from the United States Bankruptcy Court, XXXX XXXXXXXX XXXX XXXX XXXX ( dated XX/XX/XXXX ). 
* Copy of any previous dispute correspondence with Experian * copy of their main source ( XXXX )

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