Consumer complaint received 2025-06-07 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: AL

Complaint narrative:
Complaint ID : XXXX I am supplementing a prior CFPB complaint against Experian. Despite providing clear, documented evidence that the bankruptcy in question is unverifiable, unsupported by any valid data furnisher, and already removed by their own vendor, Experian continues to report this inaccurate and damaging item on my credit file. 

I am requesting that the CFPB directly review this complaint, as Experian has demonstrated a pattern of willful noncompliance and is currently under investigation ( CFBP v. Experian, Case No. 8:25-cv-00024 ).

Given the documented FCRA violations, I respectfully request that the CFPB take direct enforcement action or escalate this complaint to its supervision and enforcement division. 

Summary of Key Facts : - On XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX.Experians public records providerdeleted the bankruptcy from my file after determining it could not be verified. 
- The U.S. Bankruptcy Court confirmed in writing that it does not furnish data to Experian or any consumer reporting agency. 
- Experian continues to report the bankruptcy and falsely asserts that it is verified, but has failed to identify any valid furnisher or legitimate verification method. 

Additional Accuracy Issue : The address associated with the bankruptcy was recently deleted from my Experian credit report and is no longer part of my file. As a result, there are no remaining data elements ( such as address, SSN match, or DOB ) that reasonably link me to the bankruptcy. Reporting a public record without any matching identifying information is a direct violation of : - FCRA 607 ( b ) duty to ensure maximum possible accuracy - FCRA 611 duty to delete unverifiable information Legal Basis FCRA Violations : Experians actions constitute several FCRA violations : - 611 ( 15 U.S.C. 1681i ) : Failure to delete information that can not be verified - 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to ensure maximum possible accuracy - 616 : Willful noncompliance and failure to correct known errors Improper Use of PACER : If Experian is relying on PACER ( Public Access to Court Electronic Records ) to verify this bankruptcy, this is not legally sufficient under the FCRA. PACER is a public repository, not a furnisher of information : - It does not confirm consumer identity - It does not furnish or report data - It does not satisfy FCRA verification requirements The bankruptcy court has further confirmed that it does not report any data to Experian or any credit bureau, making any continued reporting by Experian legally indefensible. 

Pattern of Misconduct : Experians actions are consistent with its current legal issues in CFPB v. Experian Information Solutions , Inc., Case No. 8:25-cv-00024 ( filed XX/XX/year> ), in which the CFPB alleges : - Sham investigations of consumer disputes - Re-insertion of unverifiable data - Systemic failure to comply with FCRA dispute handling laws My case is a direct example of the exact misconduct outlined in that federal lawsuit.

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