Consumer complaint received 2025-04-06 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:
I am writing to formally file a complaint against Experian regarding the unauthorized reinsertion of a previously deleted bankruptcy onto my credit report. This action is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) and related case law that governs reinsertions and permissible purposes of reporting.

Background : Previously, I disputed the reporting of a Bankruptcy ( Chapter [ 7/13 ], file that Experian was reporting. Following my dispute and request for validation, Experian failed to verify the source or furnish proper documentation, and the bankruptcy entry was deleted from my credit file, as required by law. 

Recently, without notice or validation, Experian has reinserted the same bankruptcy into my credit report. According to Experian, the source of this information is the U.S. Bankruptcy Court for the Northern District of Texas ( Dallas Division ). However, I have contacted the court directly, and they have confirmed in writing that they do not report consumer information to any Credit Reporting Agency ( CRA ). This alone proves Experian is in violation of the FCRA. 

Violations by Experian : 1. Violation of FCRA 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) If a previously deleted item is reinserted, the CRA is required to : Notify the consumer within five business days of the reinsertion ( 1681i ( a ) ( 5 ) ( B ) ( ii ) ).

Provide the consumer with the name, address, and telephone number of the furnisher of the information.

Experian failed to notify me of the reinsertion and did not disclose the true source of the information.

2. Lack of Permissible Purpose FCRA 1681b Consumer reports may only be furnished under specific permissible purposes. Reporting a bankruptcy without a valid permissible purpose or a verified furnisher is unlawful.

The Court does not furnish or authorize release of consumer information to Experian. Therefore, the bankruptcy listing lacks a valid permissible purpose.

3. Failure to Verify FCRA 1681i ( a ) ( 1 ) ( A ) Upon dispute, the CRA must conduct a reasonable reinvestigation and verify the information with the furnisher. 

Experian was unable to verify the bankruptcy with the reporting agency, which was confirmed by the court itself. Yet, Experian reinserted the data without verification, breaching their duty under the law. 

Supporting Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) " A credit reporting agency must go beyond the original source in order to fulfill its duty to reasonably reinvestigate a dispute. '' XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Furnishing false or unverified information without a permissible purpose creates liability under FCRA. 

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) Reporting inaccurate information after dispute and deletion constitutes willful noncompliance. 

Demands : Immediate removal of the reinserted bankruptcy from my credit report.

Full disclosure of the furnisher of the bankruptcy data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Written confirmation that Experian will not reinsert unverifiable or unauthorized public record information. 

Explanation of Experians procedures and the identity of the entity that provided the reinserted information. 

Failure to comply will result in further formal complaints with the Federal Trade Commission ( FTC ) and potential legal action under FCRA 1681n and 1681o for willful and negligent noncompliance.

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