Consumer complaint received 2025-08-28 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau P.O. Box 27170 Washington , DC 20038 Subject : Complaint Regarding Inaccurate and Unverified Credit Reporting Dear CFPB, I am filing this complaint to request immediate investigation into inaccurate and unverified information being reported on my credit files by Equifax, TransUnion, and Experian. 

Disputed Items Bankruptcy Filing A bankruptcy is being reported under my name. Bankruptcies are collected by third-party vendors ( XXXX XXXX and matched by identifiers such as name, SSN, and address. These are not original records and are prone to error.

I request that the credit bureaus provide documented proof from the bankruptcy court ( including case number, court location, and filing documents ) verifying this record belongs to me.

If no such proof can be provided, the bankruptcy must be deleted under FCRA 611 ( 15 U.S.C. 1681i ).

Credit Card Late Payments Several credit card accounts are showing delinquent/late payments that are inaccurate.

I request that the credit bureaus obtain original account-level documentation from the furnishers ( credit card issuers ) proving these late payments occurred.

A simple database verification is insufficient. If no original payment history can be provided, these negative marks must be deleted under the FCRA.

Student Loan Accounts My student loan information has been subject to multiple confirmed data breaches, including unauthorized access to Depa
rtment of Education databases and the Equifax/TransUnion/Experian breaches .

I request that the credit bureaus and student loan furnishers provide documented proof that these tradelines have not been altered, accessed, or tampered with as a result of any breach. 

If verification can not be provided, the accounts must be deleted as unverified under the FCRA.

Legal Basis FCRA 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 611 ( 1681i ) : Requires reinvestigation of disputed items, including the source and documentation of the information.

FACTA : Requires heightened protection of consumer information in cases of identity theft and data compromise.

Consumer Harm These inaccurate and unverified reports have caused significant harm, including denial of credit, higher interest rates, and reputational damage. 

Requested Relief I request that the CFPB : Direct Equifax, TransUnion, and Experian to provide original source documentation verifying the bankruptcy, credit card late payments, and student loan tradelines. 

If original documentation can not be provided, require immediate deletion of the disputed items. 

Ensure that all reporting complies fully with the FCRA and FACTA standards for accuracy, verification, and consumer protection. 

Please confirm receipt of this complaint and provide me with updates as the investigation proceeds.

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