Consumer complaint received 2025-07-16 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:
On or about XX/XX/XXXX, I submitted a formal dispute to Experian concerning the inaccurate and unverified reporting of a XXXX XXXX XXXX allegedly filed on XX/XX/XXXX, in the XXXXXXXX XXXX XXXXXXXX for the XXXX XXXXXXXX XXXX XXXX I asserted that the record appearing on my Experian credit file lacked legally required identifying elements ( e.g., no plaintiff, no original balance, improper formatting ) and may have been sourced through unauthorized third-party data vendors without direct court validation. 

In response, Experian claimed to have verified the bankruptcy with a public record vendorwithout producing any actual documentation from the court or evidence that the information was obtained from a certified, original source. Furthermore, Experian never disclosed which vendor was used, what date the court records were accessed, or how that access occurredespecially in light of the fact that I have an active security freeze on XXXX, XXXX, and other affiliated data aggregators commonly used to scrape court records for Experians public record listings. 

Because XXXX courts do not report directly to Experian, and because my frozen status precludes vendors from legally accessing my data, I allege that Experian either : Relied on stale, previously harvested data ( which violates FCRA 1681i ( a ) if reinserted without certification ), Circumvented my freeze through improper or unauthorized means, or Failed to verify the record at all and simply issued a form-letter denial without substantive reinvestigation. 

My dispute also specifically requested : Certified court records from the bankruptcy court ; Documentation proving that court dockets were accessed directly, not through XXXX ; Evidence of compliance with XXXXtro 2 standards and FCRA 1681e ( b ) regarding accuracy ; Proof that Experian followed reasonable procedures when verifying and re-reporting the disputed public record. 

None of these materials were provided. Instead, I received a boilerplate response restating that the record was verified without explaining how such verification was lawfully possible. Experians continued publication of this datadespite the absence of proper court validation and the presence of vendor-level freezesconstitutes a clear violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( failure to conduct a reasonable reinvestigation ) ; 1681e ( b ) ( failure to ensure maximum possible accuracy ) ; 1681i ( a ) ( 5 ) ( B ) ( unlawful reinsertion of previously disputed information without certification ) ; And possibly 1681n ( willful noncompliance subject to statutory and punitive damages ). 

This is not the first time I have raised this issue. I have made multiple good-faith attempts to resolve this through formal disputes, and Experian has XXXX issued form responses without addressing the core legal and factual deficiencies of their reporting. I am requesting full regulatory intervention by the Consumer Financial Protection Bureau and full accountability from Experian for their procedural violations and the continued publication of a materially false and unverified public record.

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