Consumer complaint received 2024-08-11 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: IL

Complaint narrative:
I am writing to lodge an urgent and forceful complaint against XXXX, Experian, and XXXX regarding their persistent failure to remove an inaccurate bankruptcy entry from my credit reports ; Account number XXXX. Despite my numerous efforts to provide ample and irrefutable evidence proving the error, these credit bureaus have unacceptably continued to display this erroneous information. 

This process began in XXXX of 2023, yes a full year and they have not resolved it, where I disputed with the court ( attached ). The court states that it doe snot supply information to the Bureaus. I submitted Disputed to XXXX, Experian, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to no avail. When they finally sent information back, they stated that it is verified by a 3rd party called XXXX XXXX. So I submitted a dispute to XXXX XXXX in XXXX. XXXX XXXX said I was correct about the inaccurate bankruptcy and removed it from their files ( attached documentation ). I submitted another Dispute to the bureaus in XXXX with the letters sent by XXXX XXXX and XXXX XXXX said it was verified, which is impossible. XXXX and Experian did not even respond ( illegals ) Here is a summary of the egregious missteps by the credit bureaus : Failure to Correct Errors : Despite providing all necessary evidence, each bureau has inexplicably failed to correct the inaccuracy. Their responses have been dismissive and inadequate, lacking any substantive action to rectify the mistake. 

Negligent Handling of Disputes : The process followed by the credit bureaus in handling my dispute has been grossly inefficient and unprofessional. Their failure to resolve the dispute in a timely manner reflects a troubling disregard for consumer rights. 

Impact on Creditworthiness : The erroneous bankruptcy record is significantly damaging my creditworthiness and, consequently, my financial stability. This ongoing issue has led to undue stress and has negatively impacted my ability to secure credit.

I demand immediate action to rectify this situation. Specifically, I require : Prompt Removal : Immediate removal of the inaccurate bankruptcy entry from all three credit reports. 

Written Confirmation : Written confirmation from each credit bureau acknowledging the removal and detailing the corrective actions taken. 

Investigation and Accountability : A thorough investigation into the handling of my dispute, including a detailed explanation of why my evidence was ignored and what measures will be implemented to prevent such issues in the future. 

If these demands are not met within 15 days from the date of this letter, I will be compelled to escalate this matter further, including but not limited to seeking legal redress and filing formal complaints with additional regulatory bodies. 

The lack of action and accountability from XXXX, Experian, and XXXX is unacceptable and reflects a serious breach of my consumer rights. I trust that the CFPB will act swiftly to ensure that this matter is resolved with the seriousness it warrants.

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