Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is now the fourth time I am writing to dispute the inaccurate and incomplete bankruptcy information reported on my credit report. Despite my previous requests, this matter remains unresolved. The repeated lack of response and corrective action not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but has also caused unnecessary stress and potential harm to my financial reputation. 
Details of the Inaccuracy The bankruptcy information reported on my credit file contains multiple inaccuracies and inconsistencies across bureaus, as outlined below : Bankruptcy Reference # : XXXX INACCURACIES OR ISSUES IN THE BANKRUPTCY REPORTING XXXX. Missing Reporting from XXXX XXXX XXXX Issue : The bankruptcy is reported only by Experian, while XXXX XXXX XXXX  show nothing.

Why this may be a problem : This results in inconsistent credit profiles across bureaus, which can unfairly affect credit decisions made from one rep
ort vs another.

2. No Monetary Amounts for Liability, Assets, or Exemptions Liability, Asset Amount, and Exempt Amount all listed as {$0.00} Issue : Bankruptcy typically involves declared liabilities or exempt assets unless it was a true no-asset case. Reporting {$0.00} without full context can make the record look incomplete or misleading. 
XXXX. Court Listed as XXXX XXXXXXXX XXXX XXXX XXXXXXXX Without Full Verification Issue : The court name lacks formal structure ( e.g., missing full court designation or case source verification ). In some cases, credit bureaus collect bankruptcy data from third-party vendors like XXXX directly from courts. 
XXXX. " Date Filed '' vs " Closing Date '' Gaps Filed Date : XX/XX/year> Closing Date : XX/XX/year> Issue : This seems like an unusually quick discharge ( 3 months ). You may request Experian to provide full court documents to confirm the accuracy of both dates if you suspect improper reporting.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure the maximum possible accuracy of the information reported. The discrepancies in filing dates, closing dates, and court details clearly violate this requirement.

2. FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Credit bureaus are legally obligated to investigate disputes and correct inaccuracies within 30 days. Failure to do so constitutes a breach of consumer rights under federal law.

3. FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Information furnishers are prohibited from knowingly reporting inaccurate or incomplete information.

4. FCRA Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ) : Bankruptcies must be reported accurately and can not contain incomplete or outdated information.

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