Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of the following accounts from my credit report. These accounts are inaccurate due to violations of federal law and should have been removed due to my bankruptcy filing XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Bankruptcy Discharge Information All of the above accounts were included in my bankruptcy filed with the United States Bankruptcy Court, XXXX XXXX of Florida, Case Number : XXXX. My bankruptcy was discharged on XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ) and bankruptcy laws, these accounts should no longer be on my credit report, or if they are, they should be reported as included in bankruptcy and show a XXXX balance. 

Violations of Federal Law I believe that the reporting of these accounts is also a violation of the following federal statutes and regulations : 15 U.S. Code 1635 ( Right of rescission ) - I believe that my right to rescind these accounts was violated.

15 U.S. Code 1692g ( Validation of debts ) - I have not received proper debt validation for these accounts.

15 U.S. Code 1681 ( 2Xi ) ( Fair Credit Reporting ) - The continued reporting of these accounts violates my right to a fair and accurate credit report.

15 U.S. Code 1666b ( Timely settlement of credit card accounts ) - The creditors may have violated this statute by not settling these accounts in a timely manner.

12 CFR 1026.13 ( Billing Error Resolution ) - I believe that there are unresolved billing errors associated with these accounts.

Request for Investigation and Removal Based on these violations and the bankruptcy discharge, I respectfully request that Experian take the following actions immediately : Conduct a thorough investigation into the aforementioned accounts. This investigation should include : A. Verifying compliance with all applicable federal laws and regulations.

B. Confirming that the accounts were included in my bankruptcy.

Remove these accounts from my credit report, or update them to show included in bankruptcy with a XXXX balance, as required by law. 
Provide written confirmation of the removal or the results of your investigation within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 
Enclosed Documentation I have enclosed copies of the following documents for your reference : My driver 's license ( for identification ) A recent utility bill ( proof of address ) My credit report with the disputed accounts highlighted The bankruptcy discharge order Further Action If Experian fails to remove or properly update these accounts within the required timeframe, I am prepared to take further action. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or pursuing legal remedies to protect my rights. 

Thank you for your prompt attention to this matter. I hope that we can resolve this issue quickly and amicably. 

Sincerely, XXXX 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