Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
THIS IS A CFPB COMPLAINT, NOT A DISPUTE OF CREDIT REPORTING, BUT A COMPLAINT AGAINST EXPERIAN. 

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian for multiple violations of federal laws, including the Fair Credit Reporting Act ( FCRA ), for inaccurately and unlawfully reporting an unverified bankruptcy on my credit report. Despite repeated efforts to resolve this issue, Experian has failed to act appropriately. 

Additionally, due to the recent CFPB lawsuit against Experian on XX/XX/year>, I feel that this action validates my complaints. XXXX practices have caused significant harm to my credit and financial opportunities, as their responses to my earlier disputes stated that accounts were verified, yet they failed to provide any details about the investigations conducted. 


Summary of Violations Experian has violated the following laws : XXXX. 15 U.S.C. 1681b ( 2 ) : Permissible purposes of consumer reports Experian has no permissible purpose to report an unverified and inaccurate bankruptcy. 

XXXX. 15 U.S.C. 1681q : Obtaining information under false pretenses Experian falsely claims to rely on XXXX for this bankruptcy information, which XXXX has confirmed is not accurate or provided by them. 

XXXX. 18 U.S.C. 1028A : Aggravated identity theft By falsely reporting this bankruptcy, Experian has effectively damaged my identity and financial reputation. 

XXXX. 15 U.S.C. 1681c-2 : Blocking of information resulting from identity theft Experian has failed to take action to remove the inaccurate item, even after being provided proof that the bankruptcy is not valid or verified. 


Key Facts Experian claims that XXXX is furnishing the bankruptcy information ; however, XXXX has provided me with written proof that they are not reporting this bankruptcy. 

XXXX has initiated disputes on my behalf more than XXXX times over the past XXXX years, with no response or correction from Experian. 

Despite multiple notices, Experian continues to report this inaccurate bankruptcy, causing significant harm to my credit score and financial well-being. 


My Demands XXXX. Immediate Removal : I demand that Experian immediately remove the inaccurate and unverified bankruptcy from my credit report. 

XXXX. Compliance Assurance : Experian must demonstrate compliance with federal laws, including the proper verification and handling of reported information. 

XXXX. Accountability : If Experian does not resolve this matter promptly, I will pursue further legal action to seek remedies for the damages caused. 


I have attached supporting documentation, including correspondence with XXXX, to substantiate my claims. Experians ongoing failures and negligence have negatively impacted my credit and financial opportunities. I trust the CFPB will take appropriate action to hold Experian accountable and ensure compliance with the law. 


Thank you for your attention to this matter.

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