Consumer complaint received 2025-06-04 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: OH

Complaint narrative:
I am filing this formal complaint against the national credit reporting agencies due to their failure to comply with my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically SECTION 605B/15 15 U.S.C. 1681c-2. My Identity Theft Report ( FTC Report # XXXX ), government-issued ID, and proof of address were submitted to the credit bureaus. Despite this, they have failed to permanently block and remove the following fraudulent accounts and personal information within 4 business days required by law. This continued reporting of false information is a direct violation of federal law. Under FCRA 605B, the Credit bureaus are not permitted to reinvestigate this information once a valid identity theft report has been submitted. They are legally obligated to block the information and send me corrected reports within 15 calendar days. Their failure to comply is not only negligent but also willful. I am requesting your urgent intervention to enforce the law and ensure the immediate and permanent removal of all fraudulent data. I am also requesting an investigation and penalties for each violation, as allowed the FCRA. 


XXXX XXXX. XXXX Civil Liability for Willful Noncompliance Allows for actual damages, punitive damages, and attorneys fees when a CRA willfully fails to comply with the FCRA.

15 U.S.C. 1681o Civil Liability for Negligent Noncompliance Provides for recovery of actual damages and attorneys fees in cases of negligent failure to comply with the FCRA.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requirement to Delete Inaccurate or Unverifiable Information Mandates that any disputed information that can not be verified must be deleted within 30 days ( or 4 business days under 605B for identity theft claims ).

15 U.S.C. 1681g Full Disclosure to Consumers Requires CRAs to provide consumers with a complete file disclosure, including sources of the information and identification of each party who obtained a consumer report.

15 U.S.C. 1681c-2 ( c ) Prohibition on Re-Reporting Blocked Information Once fraudulent information is blocked under 605B, a CRA is prohibited from re-reporting it unless the consumer later makes a material misrepresentation of fact.

15 U.S.C. 1681c Reporting Limitations Even without identity theft, there are strict time limits on how long negative information can be reported. Reporting fraudulent or obsolete data exceeds these limits.

15 U.S.C. 1681e ( b ) Reasonable Procedures to Ensure Maximum Possible Accuracy CRAs must have reasonable procedures in place to assure the maximum possible accuracy of the information they report. Reporting known fraudulent information fails this standard.

REMOVE PUBLIC RECORDS THAT ARE NOT VERIFIED & INACCURATE I am disputing the inaccurate reporting of a Chapter 7 bankruptcy on my credit report, which is currently being reported by [ Equifax / Experian / TransUnion and allegedly furnished by furnisher LexisNexis.

I contacted the bankruptcy court directly and was informed that they do not verify or report consumer records to the credit bureaus or to third-party data furnishers. Therefore, the reporting of this bankruptcy is unverified and inaccurate, and it violates my rights under FCRA 623 ( a ) ( 1 ) ( A ) Duty of data furnishers to report only accurate, verifiable information FCRA 611 and 623 ( a ) ( 8 ) Requirement to reinvestigate consumer disputes and block unverifiable data Furthermore, the bankruptcy record makes me look financially irresponsible to lenders, resulting in judgment and loan denials. Since the court does not verify this data, the reporting entity must remove or block the item per FCRA 15 U.S. Code 1681i ( a ) ( 5 ) and FCRA 1681s-2 ( b ).

I am requesting that this unverifiable Chapter 7 bankruptcy be permanently deleted from all credit reports. I am attaching supporting documentation, including a copy of my report and a letter from the court ( if applicable ). I would like the CFPB to hold the data furnishers and the bureaus accountable under federal 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