Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XXXX I received a letter from bankruptcy courting stating they do not give that information to the creditors. I have attached the letter. 

On XX/XX/XXXX I sent these letter out to Experian, transunion, and XXXX. They all sent me the same response they can not remove my bankruptcy. 
Subject : Formal Request for Removal of Bankruptcy Information To Whom It May Concern, I am writing to dispute the inclusion of a bankruptcy filing on my credit report. I have discovered that the bankruptcy court does not report bankruptcy information directly to credit reporting agencies. Instead, credit bureaus obtain this information through third-party vendors or by accessing public records. 



Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report ( FCRA 611 ). I am challenging the validity of how this bankruptcy information was obtained, as well as its accuracy and completeness. 



The specific information in question is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for Removal 1. FCRA 611 ( a ) : Verification Requirement The FCRA requires credit reporting agencies to verify the accuracy of all reported information. Because the bankruptcy court does not report this data directly to credit bureaus, I am requesting verification of the source of this information. If the information can not be verified directly with the bankruptcy court, it must be removed from my credit report. 

2. FCRA 607 ( b ) : Maximum Possible Accuracy Credit reporting agencies are mandated to maintain procedures to ensure maximum possible accuracy of consumer information. I have reason to believe that the inclusion of this bankruptcy on my report may not meet these standards.

3. Public Record Inaccuracy As public records are often prone to errors during transcription or reporting by third-party vendors, I am requesting a thorough investigation to ensure compliance with all federal regulations regarding the reporting of bankruptcy information.

Action Requested I respectfully request the following actions : 1. Conduct a full investigation into the source and accuracy of this bankruptcy information. 

2. Provide me with written documentation verifying the source and legitimacy of the information.

3. Remove the bankruptcy from my credit report if it can not be verified as accurate and complete.

Enclosed, I have included the following : A copy of my credit report with the bankruptcy information highlighted.

A copy of my personal identification for verification purposes.

Under FCRA 611 ( a ), you are required to investigate this matter and respond within 30 days. If you can not verify the information directly with the bankruptcy court, I request its immediate removal from my credit report. 



Thank you for your prompt attention to this matter. I look forward to receiving your response.

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