Consumer complaint received 2025-04-18 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: IN

Complaint narrative:
I am formally filing this complaint against Experian and Equifax for knowingly and willfully reporting inaccurate, unverified, and obsolete information regarding a bankruptcy that has been removed by XXXX, a primary third-party public records vendor. Despite my multiple disputes and providing direct written confirmations from XXXX and the bankruptcy court, both Experian continue to falsely claim that this bankruptcy has been " verified '' via XXXX which is patently untrue. 

Pertinent Legal Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian and Equifax have demonstrably failed to do so by continuing to report this inaccurate bankruptcy record despite clear, verified evidence of its removal and non-verification from their alleged source.

FCRA, 15 U.S.C. 1681i ( a ) : Obligates credit reporting agencies to reinvestigate disputes within 30 days ( 45 days in limited cases where additional documentation is provided ) and to delete or correct information found to be inaccurate or unverifiable. 

Experian and Equifax have exceeded these legally permitted timeframes without resolution and continue to report this false information, constituting a willful violation.

FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) : Requires deletion of any item of information if it is found to be inaccurate, incomplete, or unverifiable as a result of a reinvestigation. 

The fact that XXXX has removed this record and confirmed its deletion confirms it is unverifiable, and yet Experian refuse to comply. 

I have provided both Experian and Equifax with the following supporting documentation : A letter from XXXX confirming the removal of the bankruptcy. 

Documentation from the bankruptcy court confirming no active record. 

Multiple written disputes requesting the deletion based on this verified information. 

Despite this, both agencies are extending response times unlawfully and continue to falsely claim this record is verified. 

At this point, I am fed up and fully prepared to pursue legal action under the Fair Credit Reporting Act, including statutory damages, actual damages, punitive damages, and attorneys fees. I have maintained thorough documentation of every dispute, response, and piece of evidence for legal proceedings. 

I am demanding immediate : Permanent deletion of the bankruptcy record from XXXXand Equifax.

Written confirmation of removal within 15 days of receipt of this complaint.

This is my final attempt to resolve this matter through administrative means before pursuing legal remedies in federal court.

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