Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my SECOND AND FINAL URGENT DEMAND for the IMMEDIATE AND PERMANENT DELETION of the fraudulent Chapter XXXX bankruptcy entry ( Filed : XX/XX/XXXX ; Reference Number : XXXX ; Court : XXXX Bankruptcy XXXX, XXXX XXXX XXXX Florida, XXXX Division ), all associated unauthorized accounts, unauthorized inquiries, and any related derogatory marks from my credit file. Your failure to respond to my previous dispute ( s ) constitutes WILLFUL NONCOMPLIANCE and a DELIBERATE VIOLATION of multiple federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), specifically Sections 605B ( 15 U.S.C. 1681c-2 ) for blocking identity theft information, 1681i ( a ) ( 5 ) for deleting unverifiable data, 611 ( 15 U.S.C. 1681i ) for reasonable investigations, 1681e ( b ) for accuracy procedures, 1681g for disclosures, and 1681s-2 ( b ) for furnisher investigations ; the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801 et seq. ), Section 502 prohibiting unauthorized disclosure of nonpublic personal information ; the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), Sections 1692e ( false representations ) and 1692f ( unfair practices ) ; the Identity Theft and Assumption Deterrence Act ( ITADA ) ( 18 U.S.C. 1028 ) recognizing identity theft as a federal crime ; the Privacy Act of 1974 ( 5 U.S.C. 552a ) restricting federal agency disclosures ( applicable if any government-sourced data is involved ) ; and the Electronic Communications Privacy Act ( ECPA ) ( 18 U.S.C. 2510-2523 ) if electronic data breaches contributed to this misuse. 

I am a XXXX XXXX XXXX XXXX resulting from a RECENT DATA BREACH that compromised my personal information, including my name, Social Security Number, and financial details. This breach has led to the UNAUTHORIZED FILING of the aforementioned bankruptcy in my name, the opening of fraudulent accounts, unauthorized hard inquiries that have further damaged my credit, and the illicit sharing of my data with third parties, including collection agencies who are now HARASSING ME for debts discharged in this fraudulent bankruptcy. HOW IS IT POSSIBLE THAT COLLECTION AGENCIES ARE ACCESSING AND USING MY PERSONAL INFORMATION FOR DEBTS THAT SHOULD BE PROTECTED UNDER BANKRUPTCY LAW, WHILE UNAUTHORIZED INQUIRIES CONTINUE TO APPEAR WITHOUT MY CONSENT? This is CLEAR EVIDENCE OF ONGOING IDENTITY THEFT AND SYSTEMIC BREACHES OF MY PRIVACY RIGHTS! Your continued reporting of this information is not only INACCURATE and UNVERIFIABLE but ACTIVELY FACILITATES FURTHER FRAUD, exposing credit reporting agencies to LIABILITY FOR AIDING AND ABETTING IDENTITY THEFT under federal criminal statutes. 
As further irrefutable evidence, I enclose the official response dated XX/XX/XXXX, from the XXXX XXXX XXXX XXXX, United States Bankruptcy XXXX, XXXX XXXX XXXX Florida ( XXXX Division ), signed by XXXX XXXX XXXX XXXX, which EXPLICITLY CONFIRMS : " Be advised that the United States Bankruptcy Court does not transmit or initiate conveyance of data to the credit reporting agencies... The Court is not responsible for deleting or removing information from consumers ' credit files ... does not authorize credit reporting agencies to delete inaccurate information from consumers ' credit files nor does the Court provide information to repositories or credit reporting agencies. '' This letter, citing the FCRA ( 15 U.S.C. 1681 ), underscores that your sourcing of this bankruptcy data is ILLEGITIMATE and UNVERIFIABLE, as the originating court DISAVOWS ANY INVOLVEMENT in reporting. Moreover, since the appointed bankruptcy trustee in my case has not provided any direct confirmation of reporting, I demand you IMMEDIATELY CONTACT THE TRUSTEE to verify the following under FCRA 1681i : Does your office or the bankruptcy court directly provide information to credit reporting agencies? 
If not, how do credit bureaus obtain this bankruptcy information? 
Are there any official records or documents that prove my bankruptcy was legally reported to Experian, Equifax, or TransUnion? 
Can you provide a written statement confirming that your office does not disclose bankruptcy information to credit reporting agencies? 

This request is made under my rights outlined in the FCRA ( 15 U.S.C. 1681i ), which REQUIRES ALL INFORMATION in my credit file to be ACCURATE, VERIFIABLE, and BACKED BY A RELIABLE SOURCE. Your failure to investigate and verify with the trustee within 30 days VIOLATES FCRA 1681i ( a ) ( 1 ), mandating a reasonable investigation. 
Under FCRA 605B, you MUST BLOCK ALL FRAUDULENT INFORMATION related to this identity theft WITHIN FOUR ( 4 ) BUSINESS DAYS of receiving this demand and the enclosed FTC Identity Theft Affidavit ( filed via IdentityTheft.gov ). Pursuant to FCRA 1681i ( a ) ( 5 ), DELETE ANY UNVERIFIABLE DATA PERMANENTLY, as this bankruptcy, accounts, and inquiries can not be substantiated. Your prior inaction on my disputes BREACHES FCRA 1681e ( b ) by failing to maintain reasonable procedures for accuracy and GLBA 502 by disclosing my nonpublic information without consent. Under FDCPA 1692e, your reporting constitutes FALSE AND MISLEADING REPRESENTATIONS, and under ITADA, it perpetuates IDENTITY THEFT. If any electronic communications were involved in the breach, this also implicates ECPA violations. 
The fraudulent bankruptcy entry, associated unauthorized accounts, and unauthorized inquiries to be DELETED IMMEDIATELY are as follows : Bankruptcy Details : Chapter : XXXX ( Discharged ) Filed : XX/XX/XXXX Reference Number : XXXX Court : XXXX Bankruptcy XXXX, XXXX XXXX XXXX Florida ( XXXX Division ) Status : Fraudulently Reported Due to Identity Theft from Recent Data BreachUnverifiable, Unauthorized, and Facilitating Harassment by Collection Agencies ; DELETE IMMEDIATELY AND CEASE ALL DISCLOSURES Associated Accounts ( All Compromised in Data Breach and Tied to Fraudulent Bankruptcy ) : Account : XXXX Account Number : XXXX Status : Fraudulent/Identity TheftDELETE IMMEDIATELY Account : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Status : Fraudulent/Identity TheftDELETE IMMEDIATELY Account : XXXX XXXX Account Number : XXXX Status : Fraudulent/Identity TheftDELETE IMMEDIATELY Account : XXXX XXXX Account Number : XXXX Status : Fraudulent/Identity TheftDELETE IMMEDIATELY Account : XXXX XXXX Account Number : XXXX Status : Fraudulent/Identity TheftDELETE IMMEDIATELY Account : XXXX XXXX Account Number : XXXX Status : Fraudulent/Identity TheftDELETE IMMEDIATELY Account : XXXX Account Number : XXXX Status : Fraudulent/Identity TheftDELETE IMMEDIATELY Account : XXXX XXXX XXXX  Account Number : XXXX Status : Fraudulent/Identity TheftDELETE IMMEDIATELY Account : XXXX XXXX XXXX Account Number : XXXX Status : Fraudulent/Identity TheftDELETE IMMEDIATELY Account : XXXX XXXX Account Number : XXXX Status : Fraudulent/Identity TheftDELETE IMMEDIATELY Account : XXXX XXXX Account Number : XXXX Status : Fraudulent/Identity XXXX XXXX Account : XXXX XXXX XXXX BANK Account Number : XXXX Status : Fraudulent/Identity XXXX XXXX Account : XXXX XXXX XXXX  Account Number : XXXX Status : Fraudulent/Identity TheftDELETE IMMEDIATELY Account : XXXX  XXXX Account Number : XXXX Status : Fraudulent/Identity TheftDELETE IMMEDIATELY Unauthorized Inquiries ( All Resulting from Identity Theft and Recent Data Breach ) : Inquiry : XXXX Date : XX/XX/XXXX Status : Unauthorized Hard InquiryDELETE IMMEDIATELY Inquiry : XXXX XXXX Date : XX/XX/XXXX Status : Unauthorized Hard InquiryDELETE IMMEDIATELY Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Status : Unauthorized Hard InquiryDELETE IMMEDIATELY I DEMAND IMMEDIATE ACTION : ( 1 ) BLOCK all listed items WITHIN FOUR ( 4 ) BUSINESS DAYS under FCRA 605B ; ( 2 ) COMPLETE A FULL INVESTIGATION and PERMANENT DELETION WITHIN THIRTY ( 30 ) DAYS under FCRA 1681i ; ( 3 ) CEASE ALL DISCLOSURES of my personal information to third parties, including collection agencies , under GLBA and FDCPA ; ( 4 ) PROVIDE WRITTEN CONFIRMATION WITHIN FIVE ( 5 ) DAYS that these items are REMOVED, including all derogatory marks, and furnish a FREE UPDATED CREDIT REPORT under FCRA 1681j ; ( 5 ) VERIFY WITH THE BANKRUPTCY TRUSTEE as demanded above and include their response. 
Enclosed : ( 1 ) Copy of my identification ; ( XXXX ) XX/XX/XXXX, Clerk of the Court letter ; ( XXXX ) FTC Identity Theft Affidavit and Report ; ( XXXX ) Police report for the recent data breach/identity theft ( if filed ) ; ( XXXX ) Evidence of collection agency harassment ( e.g., call logs, letters ) ; ( XXXX ) Copies of prior unresolved disputes ; ( XXXX ) Credit report excerpts showing the unauthorized inquiries. 
DO NOT DELAY OR USE THIS AS AN EXCUSE. YOUR NONCOMPLIANCE WILL TRIGGER IMMEDIATE LEGAL ACTION : I WILL FILE A FEDERAL LAWSUIT for WILLFUL VIOLATIONS under FCRA 1681n ( seeking {$1000.00} per violation, actual damages, punitive damages, attorney fees, and costs ) ; PURSUE CRIMINAL REFERRALS under ITADA and ECPA if applicable. THIS IS YOUR FINAL WARNINGREMOVE THIS FRAUDULENT INFORMATION NOW OR FACE THE FULL CONSEQUENCES OF THE LAW!

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