Consumer complaint received 2025-07-03 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: WI

Complaint narrative:
ACDV Rebuttal Letter For XXXX, Experian, and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : XXXX Date : XX/XX/2025 To Whom It May Concern : Re : XXXX XXXX Follow-up Case # XXXX ( Bankruptcy Dispute ) XXXX XXXX Number : XXXX CFPB Case # : XXXX I am writing in direct rebuttal to your claim that the bankruptcy record under case # XXXX is accurately reported and associated with my identity. I formally dispute your investigation results and demand immediate escalation and deletion of this inaccurate information based on multiple violations of the Fair Credit Reporting Act ( FCRA ) and regulatory failures in your verification process.

Key Issues : 1. No Original Furnisher Verification : Under 15 U.S.C. 1681i ( a ) ( 2 ), you are required to conduct a reasonable reinvestigation, including contacting the original furnisher of the information. You failed to provide proof that a direct source ( e.g., U.S. Bankruptcy Court ) verified this record with my full consent and authorization. 
XXXX. XXXX is NOT a Furnisher under the FCRA : XXXX is a public access system, not a data furnisher. Using PACER alone does not satisfy the requirements of a lawful reinvestigation under FCRA. It is neither designed for consumer verification nor authorized to confirm consumer identity per federal credit reporting standards. 
XXXX. Violation of FCRA XXXX ( b ) : You are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. You failed to confirm the full accuracy of the filing origin, legal ownership, or permission for public record use, which puts this record in direct violation of XXXX ( b ). 
XXXX. XXXX XXXX & XXXX : No evidence has been provided that this bankruptcy was lawfully obtained, lawfully verified, or filed with my consent, correct identity, or permission to report under my SSN or legal name. The presence of this bankruptcy on my file has caused ongoing harm, loss of credit opportunity, emotional distress, and unfair financial targeting. 



Formal Requests : XXXX. Immediately DELETE the bankruptcy record ( case # XXXX ) from my file. 
XXXX. Provide all method-of-verification details, including the original data source, agency representative, and the full procedural log used in your reinvestigation. 
XXXX. XXXX this updated ACDV dispute to Experian, TransUnion, and Equifax per your duty under the FCRA. 
XXXX. Cease reporting this public record unless you can provide certified documentation that confirms legal filing with my full identity, original wet signature, and verified court origin under XXXX law. 

This is your final notice to remove this damaging and unverified bankruptcy or face further legal escalation including : A formal FTC complaint A civil suit under FCRA XXXX and XXXX Additional action via the Consumer Financial Protection Bureau I expect written confirmation within XXXX business days that the bankruptcy has been deleted from all XXXX and partner reports and removed from the Tri-Bureau system. 

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