Consumer complaint received 2024-07-22 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:
I am writing to formally dispute the inaccurate and unverified bankruptcy record listed on my EXPERIAN consumer report. This record, which you have falsely verified as accurate, is in clear violation of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), and the Gramm-Leach-Bliley Act ( GLBA ).

It is important to note that I have not provided any written consent for the reporting of this bankruptcy on my credit report. The presence of this bankruptcy not only contradicts the FCRA guidelines but also disregards my right to privacy as a consumer Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state Also I Already sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission. 
US BANKRUPTCY COURT XXXX ACCOUNT NUMBER : XXXX Please remove this bankruptcy from my public record This agency is in violation of 15 U.S.C. 1692G.

They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate RECORD. I do not validate this RECORD Therefore, the following accounts must be deleted from my report Violation of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ) According to the FCRA ( 15 U.S.C. 1681i ), consumer reporting agencies are required to ensure the accuracy and completeness of the information they report. The FACTA, an amendment to the FCRA, reinforces these requirements by mandating stricter standards for accuracy and the handling of disputes.

Your agency has purportedly verified the bankruptcy record through the court system. However, upon contacting the court, I have received a written statement explicitly confirming that the court does not verify any information with credit reporting agencies or third-party data furnishers. This discrepancy highlights a gross failure to meet the FCRA and FACTA 's standards for accuracy and reliability.

Violation of the Truth in Lending Act ( TILA ) The TILA ( 15 U.S.C. 1601 et seq. ) mandates clear and accurate disclosure of information to consumers regarding the terms of credit. The erroneous reporting of a bankruptcy can significantly impact my ability to secure credit under fair terms, thus contravening the spirit and letter of TILA.

Violation of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) The FDUTPA ( Fla. Stat. 501.201 et seq. ) prohibits unfair or deceptive acts in the conduct of any trade or commerce. Your agency 's actions in misreporting and falsely verifying the bankruptcy record constitute an unfair and deceptive practice under Florida law. Such practices have caused substantial harm to my creditworthiness and financial well-being.

Violation of the Gramm-Leach-Bliley Act ( GLBA ) The GLBA ( 15 U.S.C. 6801 et seq. ) requires financial institutions to protect the confidentiality and integrity of consumer information. Your failure to ensure the accuracy of my information and your reliance on erroneous court verification processes violate the privacy and data protection principles mandated by the GLBA.

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