Consumer complaint received 2024-11-06 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: VA

Complaint narrative:
Here is an enhanced Notice of Intent to Sue targeting XXXX, Experian, and XXXX for the removal of inaccurately reported XXXX XXXX Bankruptcy information on your credit report. This version includes references to FCRA, CFPB regulations, U.S. Bankruptcy Code, Metro 2 compliance standards, and recent case law. The letter demands immediate removal of the bankruptcy entry and {$1000.00} per violation for non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, Experian Information Solutions , Inc., and XXXX XXXX XXXX XXXX Addresses of Each Bureau Subject : Notice of Intent to Sue for Removal of Inaccurate Bankruptcy Reporting and {$1000.00} per Violation Due to FCRA, CFPB, U.S. Bankruptcy Code, and Metro 2 Compliance Violations with Supporting Case Law To Whom It May Concern, This letter serves as formal notice of my intent to pursue legal action against XXXX, Experian, and XXXX for the continued inaccurate reporting of a XXXX XXXX Bankruptcy on my credit file. Despite prior disputes, the bankruptcy information remains unverifiable and inaccurate, violating the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ) regulations, U.S. Bankruptcy Code, and Metro 2 compliance standards. I am requesting the immediate removal of this bankruptcy entry from my credit file, along with {$1000.00} per violation in compensation. 

Inaccuracies in Bankruptcy Reporting The following inconsistencies in my bankruptcy details across XXXX, Experian, and XXXX highlight the need for immediate deletion : Date Filed : XXXX and Experian list the bankruptcy filing date as XX/XX/XXXX, while XXXX lists it inaccurately as XX/XX/XXXX. 
Reference Number Variations : Reference numbers differ across bureaus, with XXXX on XXXX, XXXX on Experian, and XXXX on XXXX. 
XXXX XXXX : Each bureau lists the court information differently. XXXX lists U.S. Bankruptcy Court, Experian lists US BKPT CT XXXX XXXX, and XXXX simply states Federal, causing confusion about the true filing jurisdiction. 
1. Violations of the Fair Credit Reporting Act ( FCRA ) Under FCRA, credit reporting agencies must ensure accuracy in all reported public records and promptly correct or delete any information that can not be verified. These discrepancies in my bankruptcy reporting violate : 15 U.S.C. 1681e ( b ) Requires credit reporting agencies to use reasonable procedures to ensure maximum possible accuracy. The conflicting dates, reference numbers, and incomplete court details fail to meet this requirement. 
15 U.S.C. 1681i ( a ) Mandates the prompt investigation and deletion of any unverifiable or inaccurate information. The inconsistencies in my bankruptcy reporting show a failure to verify and accurately report, warranting immediate removal. 
In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), the Supreme Court reinforced that credit reporting agencies are liable for inaccuracies that cause harm to consumers. This ruling underscores the obligation to ensure data accuracy and confirms liability for unresolved errors that impact credit profiles. 

Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ruled that failing to conduct a reasonable investigation into disputed information can lead to liability under the FCRA. XXXX, Experian, and XXXX failure to correct or verify these inconsistencies following my dispute indicates non-compliance with FCRA standards. 

2. Violations of Consumer Financial Protection Bureau ( CFPB ) Regulations CFPB regulations mandate that credit reporting agencies avoid engaging in deceptive practices that harm consumers. By reporting conflicting and inaccurate information related to my bankruptcy filing, XXXX, Experian, and XXXX engage in deceptive practices in violation of CFPB standards, which has harmed my credit reputation. 

3. Violations of U.S. Bankruptcy Code Under the U.S. Bankruptcy Code ( Title 11 of the United States Code ), a discharged bankruptcy provides a fresh start by relieving certain debts. Reporting agencies have a duty to accurately reflect the status of discharged debts and avoid inaccuracies that misrepresent my legal status : 11 U.S.C. 524 ( a ) Specifies that a discharge serves as an injunction against any further action to collect discharged debts. The continued presence of unverifiable bankruptcy data conflicts with this protection by falsely suggesting unresolved financial obligations. 
11 U.S.C. 727 States that a XXXX XXXX discharge releases the debtor from liability for most debts, which must be reflected accurately in credit reports to uphold the fresh start protections under U.S. bankruptcy law.

4. Violations of Metro 2 Compliance Standards Metro 2 standards, established by the Consumer Data Industry Association ( CDIA ), mandate accurate and standardized data coding across all fields for consumer protection. The inconsistencies in my bankruptcy reporting violate key Metro 2 fields, as follows : Account Type Code The Account Type Code for bankruptcy records must consistently be coded as E ( Bankruptcy ) to ensure clarity. Any variation in coding across bureaus conflicts with Metro 2 standards and creates reporting inaccuracies. 
Compliance Condition Code When a bankruptcy is discharged, the Compliance Condition Code should reflect C ( Completed or Closed ). If not accurately reported, this code implies the debt is still active, violating Metro 2 standards.

Account Status Code Following a discharge, the Account Status Code should be 05 ( Transferred/Closed ) for consistency across all bureaus. Reporting different or ambiguous statuses contradicts Metro 2 standards, creating potential confusion among creditors reviewing my credit report. 
Remedy Sought To resolve these violations without litigation, I request that XXXX, Experian, and XXXX : Remove the inaccurate and unverifiable bankruptcy entry from my credit report across all three bureaus. 
Provide written confirmation that this entry has been deleted to ensure its removal from my credit profile. 
Compensate me {$1000.00} per violation for each instance of non-compliance, as allowed under FCRA, CFPB regulations, U.S. Bankruptcy Code, and Metro 2 standards.

If these actions are not completed within 30 days of receiving this letter, I am prepared to file a lawsuit seeking statutory, actual, and punitive damages under FCRA, CFPB regulations, U.S. Bankruptcy Code, Metro 2 standards, and relevant case law. 

Conclusion This letter serves as the final opportunity for XXXX, Experian, and XXXX to correct these reporting violations. Failure to act within the specified timeframe will result in legal action seeking full damages and corrective measures. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX 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