Consumer complaint received 2025-08-06 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: DE

Complaint narrative:
This is a follow-up complaint regarding XXXX  repeated failure to properly investigate and remove an inaccurately reported bankruptcy from my credit report. This issue has persisted despite multiple complaints, disputes, and certified legal documentation provided by me. 

Previous CFPB Complaint Reference Numbers : XXXX XXXXXXXX ( XX/XX/year> ) XXXX XXXXXXXX ( XX/XX/year> ) Current Follow-Up Reference Number from Experian XXXX XXXX XXXXXXXX ( XX/XX/year> ) Summary of Events : Experian has continued to report a XXXX  on XXXX credit file that is inaccurate and unverifiable. I submitted certified documentation from the XXXX XXXX  XXXX in XXXX, which explicitly confirms that the court does not report XXXX data to any XXXX agencies, including Experian or their vendors. 

Despite this, Experian claims to have " verified '' the bankruptcy information through a XXXX  public record vendor. This is not only insufficient under the Fair Credit Reporting Act ( FCRA ) but it is also willful negligence, as I already provided firsthand documentation from the court itself disproving the entry. 

XXXX official response to my most recent dispute states : At your request to conduct a reinvestigation, we contacted the public record vendor and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. A vendor XXXX collect this data directly from the courts public records and supply that information to Experian. 

This response ignores the documentation I submitted, sidesteps direct verification from the actual court, and demonstrates their reliance on XXXX vendors over factual evidence. This is a clear violation of my rights under the FCRA. 

FCRA and XXXX XXXX Violations : XXXX U.S.C. XXXX Failure to conduct a reasonable investigation XXXX XXXX. XXXX ( b ) Failure to ensure maximum possible accuracy XXXX XXXX. XXXX Willful noncompliance XXXX XXXX. XXXX Negligent noncompliance XXXX XXXX. XXXX Violation of XXXX  protections due to misreporting Harm Caused : Financial harm due to false negative reporting Denied lines of credit Emotional distress Ongoing damage to my credit profile What I Am Requesting : Immediate removal of the inaccurate XXXX  from all of my Experian credit files Written confirmation of deletion Monetary relief for willful and negligent damages under the FCRA XXXX XXXX and sanctions against Experian for systemic noncompliance and reliance on unverifiable sources A permanent halt to this inaccurate reporting going forward Final Note : I have followed the dispute process as required and provided supporting legal documentation. Experian has ignored the facts and relied on unverifiable XXXX data in bad faith. I respectfully request that the CFPB hold Experian accountable under the law and assist in enforcing my consumer rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, DE 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