Consumer complaint received 2025-12-23 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: NE

Complaint narrative:
I am filing this complaint because Experian, TransUnion, and Equifax continue to report a XXXX  XXXX bankruptcy public record on my credit file after multiple disputes, even though the record can not be lawfully verified. 

I am disputing that this public record can not be verified at the original source, and under federal law, unverifiable information must be deleted. 

The U.S. Bankruptcy Court for XXXX XXXX XXXX XXXX XXXX, which is listed on my credit reports as the court or source of this record, clearly states on its official website that : The Clerks Office does not report bankruptcy information to credit reporting agencies The Court does not verify bankruptcy information for any credit bureau or third-party vendor The Court has no input into what credit reporting agencies publish on consumer reports These statements are publicly posted at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to the Courts published policy, I obtained written confirmation directly from the XXXX XXXX XXXX XXXX XXXXXXXX XXXX stated clearly : The XXXX XXXX does not report or verify bankruptcy cases to credit reporting agencies, and it has no input as to what the credit reporting agencies have on record regarding any given bankruptcy case. 

The Court further confirms that it does not furnish data, does not verify data, and does not confirm the accuracy of bankruptcy information used by credit reporting agencies. These statements were provided as part of my disputes.

This means the only original source of a bankruptcy record refuses to verify information for credit reporting purposes. Once that fact is known, no credit bureau can lawfully claim that the record has been verified. 

Despite this, all three credit reporting agencies continue to report the bankruptcy and return disputes as verified.

Because the Court does not furnish or verify data, there is no authorized source that can verify this record.

Each bureau nevertheless claims verification : TransUnion admits in its Public Records Policy that it does not obtain bankruptcy data from courts, and instead relies on third-party vendors such as XXXXXXXX XXXX XXXX These vendors are data aggregators and are not furnishers under 15 U.S.C. 1681s-2.

Experian states only that the company that reported the information has certified it as accurate, without identifying who that company is or how verification occurred.

Equifax lists the Court as the reporting agency, yet directs consumers to XXXX, which then redirects consumers back to Equifax, creating a circular verification loop with no verifying authority. 

I formally requested the Method of Verification for this unchanged or verified public record, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). No bureau provided : The name and address of the data source used to verify the bankruptcy The documentation relied upon to verify accuracy Any confirmation that verification occurred with an authorized furnisher This information has never been provided, even though the item continues to be reported as verified.

Under FCRA 1681i ( a ) ( 5 ) ( A ), any item that can not be verified must be deleted. Instead, the bureaus continue publishing unverifiable information while refusing to explain how verification occurred.

This conduct violates multiple provisions of the Fair Credit Reporting Act, including : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the Method of Verification 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Duty to delete unverifiable information 15 U.S.C. 1681s-2 ( a ) Reliance on unauthorized furnishers Additionally, because the bankruptcy was filed in Alabama, the continued misrepresentation of the source and verification of this record constitutes deceptive conduct under the Alabama Deceptive Trade Practices Act ( Ala. Code 8-19-5 ), including misrepresenting the nature and source of consumer information and consumer rights. 

I also requested a XXXX consumer disclosure over two months ago, and again more than a month ago, and nothing has been provided, preventing me from even disputing the data allegedly relied upon. 

This ongoing loop of verification without an actual verifying authority has caused repeated harm and frustration and leaves me with no meaningful way to correct my credit file. 
SUPPORTING DOCUMENTATION AND PROOF OF IDENTITY ATTACHED

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