Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX 2025 Re : Credit Reporting Agency Forgery of a Furnisher whos not participating I know that credit reporting agencies supposed to report only 100 % maximum accuracy items. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. I called the courts in my state, and they stated the dont report anything as the furnisher so you guys are committing forgery fraud and will be reported to the authorities for that. 
Let me clearly break this down to you. 
What is a data furnisher? 
Data Furnisher- A data furnisher isan entity that reports information about consumers to consumer reporting agencies ( CRAs ), which may include credit bureaus, tenant screening companies, check verification services, medical information services, etc. 
What is a furnisher responsible for? 
A furnisherprovides data relating to a consumer, including their credit history and details relating to their previous tenancies or debt. Furnishers are required to abide by regulations for reporting data defined in the Fair Credit Reporting Act ( FRCA ) What is an example of a data furnisher? 
Examples of furnishers includebanks, thrifts, credit unions, savings and loan institutions, mortgage lenders, credit card issuers, collection agencies, retail installment lenders, and auto finance lenders -- basically anyone that reports information to the CRAs. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of disputeIf the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. 
Under 15 U.S. Code 1681s2 I disputed this many times and the furnisher which is the Bankruptcy court never reached out to me because clearly, they dont report it and I called to dispute it with them they say its nothing to dispute because they dont deal with the credit reporting agencies so thats another lie you guys told so how can you say something is accurate when you cant directly communicate with the source. 
15 U.S. Code 1681i ( 2 ) ( A ) - ( 2 ) PROMPT notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which aconsumer reporting agencyreceives notice of a dispute from anyconsumeror aresellerin accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to anypersonwho provided any item of information in dispute, at the address and in the manner established with theperson.The notice shall include all relevant information regarding the dispute that the agency has received from theconsumerorreseller. 
Under 15 U.S. Code 1681i ( 2 ) ( A ) The furnisher again should receive notice of dispute and the account must be notated on the credit report by furnisher that its being disputed but you guys forged the bankruptcy court name on my report and expect me to not notice this fraudulent activity. 
I demand you to remove this item asap from my credit report and expect litigation paperwork because you are under fire for a criminal act of forgery. 
XXXX  XXXX bankruptcy filing Docket Number XXXX This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report Thank you for your time and help in this matter. 
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