Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for reporting a bankruptcy record on my credit file that is inaccurate, unverifiable, and not reporting on any other credit bureau. 

NeitherXX/XX/XXXXnorXX/XX/XXXXreport any such bankruptcy on my credit file, which raises serious concerns about Experians data accuracy, source verification, and compliance with the Fair Credit Reporting Act ( FCRA ). 

Details of Violation Experian is currently reporting a bankruptcy that I have verified with both XX/XX/XXXXandXX/XX/XXXX and neither bureau lists this bankruptcy on my report confirming that Experians record is inconsistent and likely erroneous. 

I am demanding that Experian provide the following, as required under the FCRA : The exact name, address, and contact information of the individual, court, or third-party source that furnished or verified this bankruptcy information. 

The date and method of verification used to confirm this record. 
A certified copy of the bankruptcy record from the court of jurisdiction, if one actually exists.

If Experian can not provide direct, certified documentation from the actual court, then this information is unverifiable and must be removed immediately under FCRA 611 ( a ) ( 5 ) ( A ).

Applicable Federal Laws Violated FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Experian failed to follow reasonable procedures to assure maximum possible accuracy. FCRA 609 ( a ) ( 1 ) & ( 2 ) [ 15 U.S.C. 1681g ] Experian failed to dis
close the source of the information in my file.

FCRA 611 ( a ) [ 15 U.S.C. 1681i ] Experian failed to properly investigate and verify disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s2 ] It is unlawful to furnish information known to be inaccurate or unverifiable. 

Additional Context This bankruptcy is not reporting on any other credit reporting agency, which indicates that Experians source may be third-party data aggregators ( such as XXXX, or another vendor ) rather than the court. 
If so, that would constitute improper sourcing and a clear failure of Experians reinvestigation and verification procedures under federal law.

I have not received any documentation from Experian showing proof, verification, or a certified copy of any court record. Without legal proof, this bankruptcy should be immediately deleted from my credit file. 

Requested Resolution I am requesting that Experian : Provide full source verification, including the name, address, and contact of the furnisher and the date verified. 

Produce certified documentation directly from the bankruptcy court if one exists. 

Immediately delete the bankruptcy record if it can not be verified through original furnisher. 

Send written confirmation to me and the CFPB once this item has been deleted.

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