Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
Experian responded but did not properly investigate the dispute. They continue to report a bankruptcy with the wrong case number and filing date, even after I provided court documentation proving the error. The bankruptcy court has confirmed in writing that it does not furnish information to credit bureaus, so the data Experian is reporting can not be verified with the original source and must be removed under the Fair Credit Reporting Act ( FCRA ). Their failure to act violates their obligations under 15 U.S.C. 1681e ( b ), and the reinvestigation they conducted was legally insufficient. This inaccurate entry has caused reputational and financial harm.

My feedback : I am dissatisfied with Experians response. Their reinvestigation is incomplete and fails to meet their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires all credit reporting agencies to maintain maximum possible accuracy and ensure that all information on a consumer 's report is complete, accurate, and verifiable. 

Experian continues to report a public record that is materially inaccurate. They are listing a XXXX  XXXX XXXX  with a filing date of XX/XX/year> and a case number of XXXX, reported as dismissed and allegedly originating from the XXXX Bankruptcy XXXX in XXXX, Texas. This is factually incorrect. The only bankruptcy I have ever filed is case number XXXX, filed on XX/XX/year> in the XXXX XXXX XXXX Texas XXXX That case was dismissed, not discharged, which means no debts were eliminated, and no balance remains. The case number Experian is reporting XXXX is not mine and does not appear under my name, Social Security number, or address in XXXX  or official court records. 

Moreover, I have attached a letter directly from the bankruptcy court that clearly states it does not furnish bankruptcy records to Experian or to any credit reporting agency. This means Experian is obtaining this data from a third-party vendor such as XXXX or another aggregator and not the original source. The FCRA does not allow Experian to rely on unverified secondary sources. They are legally required to either verify the information with the original furnisher ( which, in this case, is the bankruptcy court who confirms they dont report this data ) or remove the item entirely. Failing to do so constitutes a willful violation of the FCRA. 

This inaccurate and unverifiable bankruptcy listing is causing reputational and financial harm. It misrepresents both the nature and status of my financial history, including reporting the wrong case number, an incorrect filing date, and suggesting a bankruptcy exists under my profile that does not belong to me. I am formally requesting that Experian immediately delete this bankruptcy entry from my credit report, provide written confirmation of its removal, disclose the name and address of the vendor that supplied this information, and describe the method of verification used including how Experian attempted to confirm this information with the original source ( which has already confirmed it does not report such data ). 

Due to the severity of this error and Experians failure to properly investigate and resolve the dispute despite receiving valid documentation, I am also requesting monetary damages of {$1000.00} under the FCRA. I trust the CFPB will take this matter seriously and assist in enforcing compliance with federal consumer protection laws.

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