Consumer complaint received 2023-08-26 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: GA

Complaint narrative:
Subject : Formal Dispute for Removal of Bankruptcy Entry To Whom It May Concern, I am writing to formally dispute the presence of a bankruptcy entry on my credit report, which I believe is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations. The inclusion of this bankruptcy entry is adversely impacting my credit profile and overall financial standing, and I am hereby requesting its immediate removal. It is important to note that I have previously disputed this entry, and your company claimed its verification through XXXX. However, I have not authorized XXXX to access my information as a consumer. Additionally, I have confirmed with the clerk of the court that they do not report any information to credit bureaus, rendering the account 's validity unverified. 

In accordance with 15 U.S.C. 1681 et seq., I am exercising my right to dispute this entry based on multiple violations, including Permissible Purpose, Right to Privacy, and the provision of a comprehensive Investigative Consumer Report. Specifically, I firmly believe that the reporting of this bankruptcy entry constitutes infringements of 15 U.S.C. 1681a ( 2 ), ( 4 ), 15 U.S.C. 1681 ( a ), ( e ), and ( d ).

I have furnished substantial evidence demonstrating that neither the Courts nor XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) supply information to any credit agencies whatsoever. Consequently, the validation of this bankruptcy entry was never fulfilled as mandated by law. If you contend that this entry has indeed been validated, I insist that you furnish the investigative report to substantiate your assertion. In the absence of such documentation, I am prepared to pursue damages for violations at a rate of {$1000.00} per violation, in accordance with the FCRA. 

Given the evident violations and the absence of validation, I hereby demand the immediate removal of the contested bankruptcy entry from my credit report. This action is imperative to rectify the inaccuracies in my credit profile and restore the integrity of my financial reputation. 

I am confident in the validity of the aforementioned violations, and I kindly urge you to expeditiously eliminate the disputed bankruptcy entry from my credit report. Furthermore, I anticipate your timely response and resolution, aligning with the stipulations of the FCRA regulations. 

Please be advised that I am well-versed in my rights and remedies as dictated by the FCRA. Should these infractions persist, I am fully prepared to take appropriate legal measures to address the situation. I anticipate a swift response within the 30-day timeframe stipulated by FCRA guidelines .

Thank you for your immediate attention to this matter. I trust in your commitment to conducting a thorough investigation and taking prompt measures to rectify this issue. 

Sincerely, 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