Consumer complaint received 2025-11-09 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: FL

Complaint narrative:
This is my URGENT FINAL DEMAND for the IMMEDIATE AND PERMANENT DELETION of the fraudulent XXXX  XXXX bankruptcy entry ( Filed : XX/XX/XXXX ; Reference Number : XXXX ; Court : XXXX Bankruptcy XXXX, XXXX XXXX XXXX Florida, XXXX Division ), all associated unauthorized accounts, unauthorized inquiries, and any related derogatory marks from my Experian credit file. This record is INACCURATE, INCOMPLETE, UNVERIFIABLE, AND FRAUDULENT, stemming from IDENTITY THEFT, and must be DELETED IMMEDIATELY under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), including Sections 605B ( 15 U.S.C. 1681c-2 ) for blocking identity theft information, 1681i ( a ) ( 5 ) for deleting unverifiable data, 611 ( 15 U.S.C. 1681i ) for reasonable investigations, 1681e ( b ) for accuracy procedures, 1681g for disclosures, and 1681s-2 ( b ) for furnisher investigations ; Section 502 of the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6802 ) prohibiting the unauthorized disclosure of my nonpublic personal information without my consent ; the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), Sections 1692e ( false representations ) and 1692f ( unfair practices ) ; the Identity Theft and Assumption Deterrence Act ( ITADA ) ( 18 U.S.C. 1028 ) ; the Privacy Act of 1974 ( 5 U.S.C. 552a ) ; and the Electronic Communications Privacy Act ( ECPA ) ( 18 U.S.C. 2510-2523 ) if electronic breaches are involved.

As a VICTIM OF IDENTITY THEFT from a recent data breach, this fraudulent bankruptcy and related items have caused severe harm, including ongoing harassment by collection agencies for discharged debts and unauthorized access to my personal information. Under GLBA Section 502, Experian is PROHIBITED from disclosing my nonpublic personal information ( such as this unverifiable bankruptcy data ) without my explicit consent, which was NEVER PROVIDED. Your continued reporting and dissemination of this fraudulent information VIOLATES GLBA 502, facilitating further identity theft and exposing Experian to CIVIL AND CRIMINAL LIABILITY. 
Disputed Items : Bankruptcy record listed on my Experian credit file ( Case Number : XXXX ) showing as filed in XXXX Bankruptcy XXXX, XXXX XXXX XXXX Florida XXXX XXXX XXXX ), reported as belonging to me. 
Associated unauthorized accounts ( all tied to fraudulent bankruptcy and identity theft ) 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 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 
Unauthorized inquiries ( all resulting from identity theft ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Facts and Basis of Dispute : I contacted the XXXX Bankruptcy XXXX, XXXX XXXX XXXX Florida ( XXXX Division ) directly, and the XXXX XXXX XXXX confirmed in writing ( dated XX/XX/XXXX, signed by Operations Manager XXXX XXXX ) that the court does not report, furnish, transmit, or verify consumer information with any credit bureau, including Experian. The letter explicitly states : " Be advised that the XXXX XXXX Bankruptcy XXXX does not transmit or initiate conveyance of data to the credit reporting agencies ... [ and ] does not authorize credit reporting agencies to delete inaccurate information from consumers ' credit files nor does the Court provide information to repositories or credit reporting agencies. '' Because the alleged source ( the court ) does not report or verify data, Experian CAN NOT LAWFULLY CLAIM to have verified this bankruptcy through a valid, reliable source, rendering it UNVERIFIABLE under FCRA 1681i ( a ) ( 5 ).

This information CAN NOT BE VERIFIED as required by FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ). If Experian can not confirm accuracy DIRECTLY with the original source, the record MUST BE DELETED IMMEDIATELY.

I HAVE NEVER FILED FOR BANKRUPTCY, and Experian has provided NO EVIDENCE proving otherwise. This is CLEAR IDENTITY THEFT, and your reporting perpetuates it.

While I would normally include an FTC Identity Theft Report as supporting documentation, I am UNABLE TO DO SO AT THIS TIME DUE TO THE CURRENT FEDERAL GOVERNMENT SHUTDOWN, which has temporarily shut down the FTCs identity theft reporting system ( XXXX  ) and prevented submissions. Despite this shutdown, my dispute remains FULLY VALID under FCRA as a factual dispute based on the court 's verifiable statements and my rights as an identity theft victim. The shutdown does NOT absolve Experian of its legal obligations to investigate and delete fraudulent information. 
Experian 's failure to respond to my prior disputes constitutes WILLFUL NONCOMPLIANCE, breaching FCRA 1681i ( a ) ( 1 ) and exposing Experian to statutory damages of up to {$1000.00} per violation under FCRA 1681n.

Moreover, I demand Experian IMMEDIATELY CONTACT THE APPOINTED BANKRUPTCY TRUSTEE to verify : Does your office or the bankruptcy court directly provide information to credit reporting agencies?

If not, how do credit bureaus obtain this bankruptcy information?

Are there any official records or documents that prove my bankruptcy was legally reported to Experian?

Can you provide a written statement confirming that your office does not disclose bankruptcy information to credit reporting agencies?

This verification is REQUIRED under FCRA 1681i, demanding ACCURATE, VERIFIABLE information from RELIABLE SOURCES.

Request : Pursuant to FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 605B, and GLBA 502, I DEMAND that Experian : BLOCK and DELETE this bankruptcy record, all associated accounts, inquiries, and derogatory marks from my credit file IMMEDIATELY, since they can not be verified by the source ( the court ), OR Provide FULL DOCUMENTATION of the verification process, including the METHOD OF VERIFICATION, NAME OF THE VERIFYING PARTY, CONTACT INFORMATION for the source, and PROOF OF CONSENT under GLBA 502, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

If Experian can not provide documented verification DIRECTLY FROM THE COURT or TRUSTEE, these items MUST BE DELETED WITHIN FOUR ( 4 ) BUSINESS DAYS under FCRA 605B for identity theft.

Complete your reinvestigation and send WRITTEN RESULTS within the 30-day period REQUIRED BY LAW under FCRA 1681i. Provide a FREE UPDATED CREDIT REPORT under FCRA 1681j, and CEASE ALL DISCLOSURES of my information under GLBA 502.

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