Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11207563

Complaint Overview

Complaint ID: 11207563

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Sub-Issue: Public record information inaccurate

State: New York

ZIP Code: 10040

Date Received: 2024-12-17T12:00:00-05:00

Date Sent to Company: 2024-12-17T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am writing to dispute the accuracy and validity of a Bankruptcy that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. Bankruptcy Experian Reference # : XXXX Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. 2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. 3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years. 4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed. XXXX. Court Name : o Experian lists : US BKPT CT XXXX XXXXXXXX ( likely US BANKRUPTCY COURT XXXX XXXXXXXX is intended ). o The name appears truncated or misspelled. o XXXX : NONE 2. Date Filed/Reported Discrepancies : o Experian : XX/XX/2015 o XXXX : XX/XX/2015 o XXXX : XXXX o This inconsistency suggests the reported dates may be inaccurate or unverifiable. XXXX. Reference Numbers : o Experian Reference : XXXX o XXXX XXXX : XXXX o XXXX : NONE o The reference numbers are inconsistent between bureaus, raising doubt on the reliability of reporting. XXXX. Closing Date Missing for XXXX : XXXX XXXX does not display a Closing Date while Experian lists it as XX/XX/2015. XXXX. Dollar Amounts : o Both bureaus list {$XXXX} for Asset Amount, Liability, and Exempt Amount, which might suggest incomplete or unverifiable information. o If a bankruptcy was filed and discharged, there should be values associated with assets and liabilities. XXXX. General Formatting Issues : o Some data is misaligned, such as Remarks not showing additional context.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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