Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear CFPB, Experian, Transunion and Equifax I am writing in response to Experian 's XX/XX/XXXX reply to my complaint regarding the inaccurate reporting of a bankruptcies on my credit report. 

Experian claims that it verified the bankruptcies by contacting a third-party vendor that collects data from the public records, and asserts that this practice complies with the Fair Credit Reporting Act ( FCRA ). I strongly disagree, and I am requesting that immediate removal of the bankruptcy from my credit file due to failure to perform a proper reinvestigation under federal law. 
1. FCRA requires a resonable reinvestigation-not blind reliance on vendors : Under FCRA Section 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], when a consumer disputes an item, a consumer reporting agency ( CRA ) must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. 

Simply contacting a third -party vender who allegedly pulled the data from a court-does not satisfy the " reasonable '' standard, especially when : XXXX. No original court documentation has been provided. 
2. No identifying details ( name, case number, date filed, discharge date ) have been disclosed or matched.

3. The consumer has no opportunity to confirm what was allegedly reviewed.

Experian has not shown that it made any direct effort to obtain or review the actual bankruptcy records fromthe court of origin, which is the only authoritative source of such records. 

2. Vender Verification is Not a Substitute for Court Verification XXXX XXXX own response claims that it " may contact the vendor or the furnisher '' - but the source of public records is the court, not a private data vendor. Vendors are not the original furnishers of the information and can not independently verify the legal accuracy or applicability of the record to the consumer. 

The CFPB 's XXXX supervisory highlights warned that relying solely on vendors or verify public records - without accessing the original source - may result in violations of FCRA and can fail to meet the " maximum possible accuracy '' standard required under : FCRA Section 607 ( b ) [ 15 U.S.C. 1 Experian has failed to follow reasonable procedures to ensure accuracy if it can not produce original documentation from the court verifying that these bankruptcies are valid and specially tied to me. 

3. If the Bankruptcies Can not Be Verified by the Court, It Must Be Deleted Per FCRA Section 611 ( a ) ( 5 ) ( A ) : " If an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file ... '' Because Experian admits it did not contact the court and instead relied on a third part, it has not verified the record properly under the law. If Experian can not obtain documentation directly from the court, then the bankrupties are not verified and must be deleted.

Company response to consumer: Closed with explanation