Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX : Dispute of Inaccurate Credit Report XXXX Bankruptcy Filing Violation of XXXX XXXX XXXX  and the Privacy Act of XXXX Dear XXXX XXXX This letter is to formally dispute inaccurate information appearing on my credit report concerning a bankruptcy filing. I am writing pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, specifically citing XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( reasonable procedures to assure accuracy ), and XXXX XXXX. XXXX ( requirements on consumer reporting agencies ). I also assert my rights under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to request the deletion of this inaccurate data, as its presence constitutes a violation of my privacy. Further, I am exercising my right under XXXX XXXX. XXXXXXXX XXXX XXXX XXXX to opt out of the reporting of this bankruptcy information. 

My XXXX credit report incorrectly reflects a bankruptcy filing. This bankruptcy was previously removed from my report but has since been reinstated without any new information or justification for its reappearance. The reinclusion of this information is inaccurate and violates the FCRA 's requirements for accuracy and reasonable procedures to ensure accuracy. 

This inaccurate information is causing me [ Explain the harm caused by the inaccurate information, e.g., difficulty obtaining loans, rental applications, employment opportunities ]. This inaccurate reporting has caused me significant distress and emotional damages. 
I demand that you immediately investigate this matter and take the following actions : 1. **Correct the inaccurate information** : Remove the bankruptcy filing from my credit report immediately. Provide me with written confirmation of its removal.

2. **Ensure Data Compliance : ** Confirm that all future reports accurately reflect my true credit history, free from the aforementioned inaccuracies. I am formally opting out of any future reporting of this bankruptcy as allowed under XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
3. **Provide Notice : ** Issue a notice of correction to all creditors and other parties who may have been provided with this inaccurate information.

4. **Delete Data : ** I request the deletion of all data associated with the inaccurate bankruptcy filing from your systems, as per the Privacy Act of 1974. This includes any and all personally identifiable information associated with this entry. 

Furthermore, I am seeking compensation for the violations of the FCRA and the Privacy Act. I demand {$1000.00} for each violation of the FCRA, and {$500000.00} for the suffering and damages incurred, as well as the breach of my personal information. 

Failure to comply with these demands will leave me no alternative but to pursue all available legal remedies, including filing a lawsuit under the FCRA and the Privacy Act of 1974, seeking statutory damages, attorneys fees, and any other relief deemed appropriate by the court.

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