Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
I am submitting this formal complaint against Experian for its willful and repeated violations of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a properly documented dispute letter to Experian, including copies of my government-issued photo ID, Social Security card , and a recent utility bill to confirm my identity. In that letter, I requested specific details regarding Experians reinvestigation process, including : The method used to verify the disputed bankruptcy The date Experian contacted the creditor or furnisher The name and contact information of the creditor/furnisher The identity of the individual who conducted the verification The communication method used ( phone, email, or mail ) Confirmation as to whether any of my personally identifiable information ( e.g., SSN, address, date of birth ) was exchanged during verification Despite this lawful and properly supported dispute, Experian did not respond. This refusal is unjustified and a direct violation of 15 U.S.C. 1681i, which requires Experian to conduct a reasonable reinvestigation of disputed information. 
On XX/XX/XXXX, I submitted an additional dispute letter with supporting documentation, again requesting detailed information regarding Experians reinvestigation process, specifically : The name of the entity that verified the bankruptcy record ; The documentation or evidence used to validate the reporting ; The contact information of the certifying entity ; Confirmation whether any personally identifiable information ( PII ) was exchanged during verification. 
Despite this lawful and properly supported dispute, Experian responded on XX/XX/XXXX, claiming that my request did not appear to have been sent by me and refusing to act. This refusal is unjustified and a direct violation of 15 U.S.C. 1681i, which requires Experian to conduct a reasonable reinvestigation of disputed information. 

Disputed Bankruptcy Item ( per Experian report ) Type : Bankruptcy XXXX XXXX XXXX Court : U.S. Bankruptcy Court, XXXX, FL Date Filed/Reported : XX/XX/XXXX Date Settled : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discharge Case Closed Flags : XXXX, CLOSED Upon review, Experians reporting of this bankruptcy is incomplete and unverifiable when compared to the official PACER record : Reference Number Discrepancy : PACER lists the official case number as XXXX, but Experian instead reports a fabricated reference XXXX XXXX, which does not correspond to the actual court case. This creates an unverifiable and inaccurate entry. 


Missing Court Case Number and Trustee Information : The XXXX record clearly identifies the trustee ( XXXX XXXX XXXX ) and case number ( XXXX ). Experian fails to include either, rendering the reporting incomplete and unverifiable. 


Liability Amount Reported as XXXX : Bankruptcy reporting requires accurate and complete disclosure. Reporting UNKNOWN liability demonstrates Experian does not possess or can not verify the actual data, further invalidating this record. 


Omission of Case Status and Disposition : XXXX confirms the bankruptcy was a Standard Discharge Case Closed. Experian fails to report case status or disposition, leaving the record materially incomplete. 

Experians refusal to conduct a lawful reinvestigation and its continued reporting of incomplete, inaccurate information has caused me measurable harm, including : Unwarranted damage to my credit score and creditworthiness ; Loss of financial opportunities ; Emotional distress from Experians failure to correct inaccurate reporting. 
By disregarding its legal obligations, Experian has willfully failed to comply with federal law. This misconduct not only violates my consumer rights but also exposes Experian to liability under the FCRA for its deliberate noncompliance.

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