Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am formally disputing the continued reporting of a XXXX  listed on my Experian credit report under reference number XXXX, allegedly filed in the XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX 
Your response dated XX/XX/year>, claims that the information was verified by the furnisher. However, the court itself has confirmed it does not furnish data to Experian or any credit reporting agency, nor do they participate in credit reporting. Therefore, your claim that the information was verified by the court is both false and misleading. YOU MUST DISCLOSE YOUR SOURCE AND IT CAN NOT BE YOURSELF. This was your response to my previous dispute : " The dispute for the bankruptcy named XXXX XXXX XXXX XXXX  XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/year> Report Number : XXXX Court Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Type of Record : XXXX  Reference Number : XXXX '' I have contacted XXXX XXXX the third-party vendor typically responsible for reporting such data, and I have received written confirmation that no XXXX  information exists for me in their system. I have also contacted XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XXXX. If none of these has this record, and the court does not report, then you are in violation of the Fair Credit Reporting Act ( FCRA ) Section 1681e ( b ), which mandates that you maintain reasonable procedures to ensure maximum possible accuracy of the information you report.

Additionally, FCRA Section 1681i requires you to conduct a meaningful reinvestigation when a consumer disputes the accuracy of information on their report. You have failed to do this. The verification you claim is unverifiable, and therefore the bankruptcy must be deleted from my credit file. 
I demand the following : Immediate deletion of this bankruptcy from my Experian credit report The name and contact information of the vendor or third party that allegedly verified this bankruptcy A copy of the procedures used in this reinvestigation If this issue is not resolved within the time frame provided under federal law, I will be pursuing damages under FCRA Sections 1681n and 1681o for willful and negligent noncompliance. 
I have attached supporting documentation including : A letter from the bankruptcy court stating they do not furnish data to credit bureaus Written confirmation from XXXX showing no bankruptcy record for me My valid identity documents and proof of address This matter has already been submitted to the CFPB and the FTC, and I reserve my right to pursue additional legal action.

Key Points : 1. ) The furnisher of the bankruptcy info is not the court The court name is listed, but thats misleading. Bankruptcy courts do not furnish or verify data for credit reports.

Experian is required under FCRA 1681i to investigate and contact the actual source of the data, not just reaffirm their own database. 


XXXX. ) XXXX is the likely data vendor If XXXX has confirmed they do not have any XXXX  reporting on me, then Experians verification is either from a different source ( that must be disclosed ) or was not verified at all. 



XXXX. ) The XXXX  can not be verified through XXXX  alone XXXX  is a public access court database. Just because a case appears in XXXX  does not mean it belongs to me or was correctly reported to the bureau. 


Match criteria like name, SSN, and address must be verifiablenot assumedespecially if I've already flagged that address as fraudulent in an FTC identity theft report.

Under FCRA 1681e ( b ), Experian must maintain procedures to ensure maximum possible accuracy. If they can't prove where the data came fromand the court denies reporting itthey are violating that requirement.

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