Consumer complaint received 2025-08-23 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: IL

Complaint narrative:
I am filing this complaint against, Experian for their repeated and willful violations of my rights under the federal consumer protection law. These credit reporting agencies have continued to report inaccurate, unverifiable, and outdated, damaging information on my credit report, including late payments, negative accounts, and bankruptcy, despite my previous disputes. 
VIOLATIONS COMMITTED BY THE CREDIT AGENCIES : 1. Fair Credit Reporting Act ( FCRA ) -15 U.S.C. & 1681 The Bureau have failed to ensure maximum possible accuracy ( & 1681e ( b ) ) of the information they publish.

They have failed to conduct a reasonable Reinvestigation ( & 1681i ) when I disputed the inaccurate information.

They are Reporting accounts and derogatories that are unverifiable and misleading, directly harming me. 

2 : Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. & 1692 By Allowing the continued reporting of accounts without proper verification, the bureaus are enabling collection activity based on false and deceptive information.

3 : Consumer Financial Protection Act ( CFPB ) - 12 U.S.C. & 5531 The bureaus are engaging in unfair, deceptive, and abusive acts and practices ( UDAAPs ) by continuing to report disputed and unverifiable information. 

4 : Equifax Data Breach ( XXXX ) Equifax compromised over XXXX XXXX consumers private data, including mines Because my personal identifying information was exposed, any negative reporting tied to my name or SSN is SUSPECT, UNRELIABLE, And POTENTIALLY FRAUDULENT. Continuing to report such information constitutes negligence and willful misconduct. 
The accounts Listed Below are in question for inaccuracy, negligence, and incompetence. 

Account Name : XXXX XXXXXXXX XXXX Filed. 
Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Dismissed Date : XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX I am demanding that the CFPB hold Experian Accountable for their violations and require the immediate deletion of the following from my credit report. 
All Negative Accounts That Can not Be PROPERLY VERIFIED All Late Payments Notation that are Inaccurate, Unverifiable, Or Misleading. 
The Bankruptcy Entry, Which Is Unverifiable And Damaging. 

Furthermore, I request a full investigation into these agencies Non-Compliance with consumers protection laws, and if necessary appropriate enforcement actions. 
These Credit Reporting Agencies have failed in their legal duty to report accurate information, and their misconduct continues to cause me ongoing harm. I expect the CFPB to take swift and decisive action to protect my rights as a consumer.

FCRA -15 U.S.C. & 1681i Upon notice of dispute, you must conduct a reasonable investigation.

Bankruptcy records are held ONLY by the U.S. Bankruptcy Courts, which has confirmed in numerous cases that it DOES NOT REPORT, VERIFY, OR PROVIDE RECORDS TO CREDIT BUREAUS. Therefore you are REPORTING UNVERIFIABLE. 
By publishing inaccurate public records information, you are enabling false collection activity and misleading creditors. 

DEMAND DELETION : Because you can not obtain direct written verification from the U.S. Bankruptcy Court ( the Only Legal custodian of such records ) this bankruptcy ( XXXX ) is legally UNVERIFIABLE Third-Party vendors such as XXXX Or XXXX DO NOT SATISFY THE FCRAs VERIFICATION STANDARDS. 

I Expect compliance within 30 days of receipt of this letter, as required by law Sincerely, XXXX XXXX XXXX : XXXX Last 4 Of 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