Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am filing this complaint because all three major credit bureaus Equifax Experian and TransUnion are reporting XXXX  information about me that is inaccurate incomplete and legally unverifiable. The documents I uploaded show that the same XXXX XX/XX/XXXXrecords appear with different reference formats dates and labels across each bureau which proves the data is not consistent reliable or sourced from an authorized court provider. 

On page XXXX of my Equifax letter Equifax lists Public Record Federal XXXX XXXX XXXX XXXX and Public Record Federal XXXX XXXX XXXX XXXX and labels both entries as Released or Closing even though these cases were dismissed not XXXX. A dismissed XXXX can not legally be treated as a completed or derogatory XXXX event under Metro2 public record guidelines. Equifax has also failed to provide any certified court documents any docket information or any court verification confirming the accuracy of these records. 

Experian is reporting these same XXXX XXXX  but under different formats and court identifiers. On page XXXX Experian lists them as XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX but again shows them as Released or Closing even though they were dismissed years ago and never resulted in a discharge. This alone shows that Experian is relying on inconsistent or incomplete third party data rather than verified court records. The courthouses have already confirmed to me that they do not report bankruptcy information to credit bureaus which means Experian has not validated these records through any official source. 

TransUnion also reports the same XXXX XXXX  records but again with different formatting. On page XXXX TransUnion lists them simply as XXXX XXXX XXXX  XXXX XXXX and XXXX with the same release or closing dates but no certified documentation no docket detail and no verification that these cases belong to me. TransUnion also failed to comply with my previous reinvestigation requests and did not provide the method of verification or the identifying source as required by FCRA 611 a 6 B.

Across all three bureaus the same problem appears. None have provided certified court documents. None have shown any evidence linking these filings to my identity. None have supplied legally required verification records. All three are reporting inconsistent and incomplete information regarding the same XXXX dismissed cases. Under FCRA 1681e b all furnished information must reflect maximum possible accuracy which these records do not. Under FCRA 1681i any unverifiable record must be deleted which none of the bureaus have done. 

These false bankruptcy entries are causing ongoing harm to my creditworthiness financial stability and personal reputation. I have already provided each bureau with my identification and documentation as seen on page XXXX yet they continue to publish inaccurate public records without performing a lawful investigation or verification. 

Because all three bureaus are reporting different variations of the same incorrect data the XXXX  entries are clearly inaccurate incomplete and unverifiable. They should not appear on any of my credit reports.

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