Consumer complaint received 2024-11-06 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, Experian XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Subject : Notice of Intent to Sue for Removal of Inaccurate Bankruptcy Reporting and {$1000.00} per Violation Due to FCRA, CFPB Compliance Violations with Supporting Case Law To Whom It May Concern, This letter serves as formal notice of my intent to pursue legal action against XXXX, Experian, and XXXX for the continued inaccurate reporting of a Chapter XXXX Bankruptcy on my credit file. Despite prior disputes, the bankruptcy remains on my credit report without verified and accurate information, violating the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. I am requesting the immediate removal of this bankruptcy entry from my credit file, as well as compensation of {$1000.00} per violation. 

Inaccuracies in Bankruptcy Reporting The following details regarding the bankruptcy are inaccurately reported and unverifiable, demonstrating grounds for immediate removal from my credit report : Inconsistent Date Filed : The reported bankruptcy filing date differs across bureaus, with XXXX and Experian reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX. 
Reference Number Discrepancies : The reference numbers associated with this bankruptcy are inconsistent, with XXXX XXXX XXXX, Experian XXXX XXXX, and XXXX XXXX XXXX. 
Court Information : The court information listed is vague and inconsistent. TransUnions report indicates U.S. Bankruptcy Court, Experian lists it as XXXX XXXX XXXX XXXX XXXX, and XXXX shows Federal, creating an unclear record of the filing jurisdiction. 
XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, credit reporting agencies must ensure accuracy in all reported information and promptly remove unverifiable information. The discrepancies in the reported bankruptcy details violate : 15 U.S.C. 1681e ( b ) This statute requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy. The conflicting dates, reference numbers, and court information fail to meet this requirement.

15 U.S.C. 1681i ( a ) Requires credit reporting agencies to delete any information that can not be verified as accurate upon consumer dispute. The inconsistencies in my bankruptcy reporting demonstrate a failure to verify or accurately report, warranting immediate removal. 
The Supreme Courts decision in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) reinforces the agencies ' duty to ensure accuracy and confirms liability for harm caused by inaccuracies in consumer reports. This ruling underscores XXXX, Experian, and XXXX obligation to remove this inaccurate bankruptcy record from my credit report. 

Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ruled that failure to conduct a reasonable investigation into disputed information can lead to liability under the FCRA. XXXX, Experian, and XXXX failure to verify and correct these inconsistencies following my disputes reflects non-compliance with FCRA standards. 

XXXX. Violations of Consumer Financial Protection Bureau ( CFPB ) Regulations CFPB regulations prohibit the use of deceptive or harmful practices that negatively impact consumers. By failing to verify or remove the bankruptcy entry, XXXX, Experian, and XXXX engage in deceptive practices that misrepresent my financial standing and harm my creditworthiness. 

XXXX. Remedy Sought To resolve these violations without litigation, I request that XXXX, Experian, and XXXX : Immediately remove the inaccurate and unverifiable bankruptcy entry from my credit report across all three bureaus. 
Provide written confirmation of the removal to ensure the entry has been deleted from my credit profile. 
Compensate me {$1000.00} per violation for each instance of inaccurate or unverifiable reporting, as allowed under FCRA and CFPB regulations. 
Should these actions not be completed within 30 days of receiving this letter, I am prepared to file a lawsuit seeking statutory, actual, and punitive damages, under FCRA, CFPB regulations, and relevant case law. 

Conclusion This letter serves as the final opportunity for XXXX, Experian, and XXXX to correct these reporting violations. Failure to act within the specified timeframe will result in legal action seeking full damages and corrective measures. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

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