Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14904532

Complaint Overview

Complaint ID: 14904532

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: Indiana

ZIP Code: 46307

Date Received: 2025-07-26T12:00:00-05:00

Date Sent to Company: 2025-07-26T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

This correspondence serves as a formal demand to immediately cease and desist reporting the XXXX transaction currently included in my consumer report. It is my position that this inclusion is inaccurate, improper, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The XXXX court does not report information to any consumer reporting agency, including TransUnion ; therefore, your continued reporting of this item constitutes a failure to maintain reasonable procedures to ensure maximum possible accuracy as mandated by 15 U.S.C. 1681e ( b ). I draw your attention to the fact that XXXX courts do not communicate directly with consumer reporting agencies. Instead, information related to bankruptcy filings may be obtained through third-party vendors or public record retrieval systems. These methods are inherently prone to inaccuracies, incomplete data, or outdated information, as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In that case, the court highlighted the limitations and potential unreliability of public record retrieval processes utilized by consumer reporting agencies. Moreover, TransUnions reliance on third-party data aggregators, without direct verification or compliance with the FCRAs requirements for accuracy, violates the statutes mandate to adopt and follow reasonable procedures. Your obligation under XXXX XXXX. XXXX ( a ) to reinvestigate disputed information also requires that you independently verify the source and accuracy of reported data. Any continued reliance on unverified or indirect sources to report my XXXX status would constitute willful noncompliance, as described in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). In addition, your reporting of the XXXX is causing ongoing harm to my financial reputation and subjecting me to undue prejudice in my ability to obtain credit. I demand that TransUnion immediately remove this erroneous entry from my consumer report. Please be advised that failure to act promptly and rectify this matter may result in legal action, wherein I will seek all remedies available under the FCRA, including statutory damages, actual damages, punitive damages, and attorneys fees, as permitted by law. As required under the FCRA, you have 30 days from the date of receipt of this letter to complete your reinvestigation and provide a written statement confirming that the XXXX transaction has been permanently excluded from my report. Failure to comply within this statutory timeframe will leave me no choice but to escalate this matter to enforcement authorities or pursue litigation. Should you have any questions regarding this demand or require further information to process this request, I may be contacted in writing at the address above. However, this letter should be treated as my final attempt to resolve this matter amicably. Sincerely, XXXX XXXX XXXX XXXX

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