Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
I am submitting this formal complaint against Experian for its willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S.C. 1681i ) and 607 ( b ), in connection with the continued reporting of incomplete and unverifiable XXXX  XXXX bankruptcy information on my Experian credit file. 
On XX/XX/XXXX, I mailed a properly documented dispute letter to Experian, including copies of my government-issued identification, Social Security card , and a recent utility bill to verify my identity. In that dispute, I lawfully requested detailed information regarding Experians reinvestigation process, including : The method used to verify the disputed bankruptcy ; The date Experian contacted the court or furnisher ; The name and contact information of the entity that certified the record ; The identity of the individual who conducted the verification ; The communication method used ( phone, email, or mail ) ; Confirmation of whether any of my personally identifiable information ( PII ) was exchanged during verification. 


Experian failed to respond to this dispute within the required 30-day period, a direct violation of FCRA 611. 
On XX/XX/XXXX, I sent a second dispute letter with the same supporting documentation, again demanding a lawful reinvestigation and full verification details. On XX/XX/XXXX, Experian responded, stating that the request did not appear to have been sent by me and refused to process it. This response is false, inadequate, and noncompliant with FCRA requirements, as my disputes were sent directly by me with complete identifying documentation. 
Disputed Bankruptcy Item ( as Reported by Experian ) Type : XXXX  XXXX Bankruptcy Discharged Court Name : ( Not properly listed ) Date Filed/Reported : XX/XX/XXXX Reference Number : XXXX ( Experian internal reference ) Disposition / Remarks : Bankruptcy : XXXX XXXX Liability Amount : Unknown Official PACER Record Case No. : XXXX Court : U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Filed : XX/XX/XXXX XXXX : XX/XX/XXXX Terminated : XX/XX/XXXX Debtor : XXXX XXXX Trustee : XXXX XXXX XXXX XXXX XXXX 
Disposition : Standard Discharge Case Closed Errors and Deficiencies in Experians Reporting Reference Number Substitution The official PACER case number is XXXX, yet Experian reports its own internal reference number XXXX without including the official court case number. This makes the entry unverifiable and materially inaccurate. 
Missing Court Name and Trustee Information PACER clearly identifies the court ( U.S. Bankruptcy Court XXXX XXXX ) and trustee ( XXXX XXXX XXXX XXXX XXXX, but Experian fails to include this information. This omission violates FCRA 607 ( b ), which requires reporting to be as accurate and complete as possible. 
Liability Amount Reported as Unknown Reporting a bankruptcy with Unknown liability indicates Experian does not possess or can not verify the necessary data to substantiate the record. 
Omission of Case Status and Disposition PACER confirms the bankruptcy as a Standard Discharge Case Closed, but Experian lists only Discharged XXXX, omitting critical disposition and closure details. This renders the reporting incomplete. 
Failure to Conduct a Reasonable Reinvestigation Experian failed to provide any reinvestigation results or evidence of a lawful inquiry. Its refusal to process my dispute on a false pretext constitutes willful noncompliance with FCRA 611. 
Experians continued reporting of incomplete and unverifiable bankruptcy information has caused significant harm, including : Unwarranted and prolonged damage to my credit profile ; Loss of credit and financial opportunities ; Emotional distress resulting from Experians failure to correct inaccurate information.

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