Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #16231682
Complaint Overview
Complaint ID: 16231682
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: New York
ZIP Code: 11207
Date Received: 2025-09-28T12:00:00-05:00
Date Sent to Company: 2025-09-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Request for Deletion of Unverifiable Bankruptcy FCRA 607 ( b ), 609 ( a ), 611 Dear Experian, I am writing to formally dispute a bankruptcy that appears in the Public Records section of my credit file. This item contains inaccurate and unverifiable information, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 609 ( a ), and 611. According to the clerk of the court, the court does not report bankruptcy records to credit bureaus. Therefore, your agency can not have verified this information with the source as required by 607 ( b ). If the source you relied on is XXXX, XXXX, or any third-party vendor, this does not constitute verification with the original furnisher. Pursuant to 609 ( a ), I request the complete method of verification, including the name, address, and telephone number of the person or entity you contacted to verify this information. If you can not directly verify this information with the court, then under 611 ( a ), the bankruptcy must be deleted from my credit file. Item Type Filing Date Court Dispute Reason Requested Action Bankruptcy XX/XX/year> XXXX Bankruptcy XXXX XXXX XXXXXXXX Unverifiable / Court does not furnish data. Delete from the credit file. Under 611 ( a ), if the disputed information can not be verified, it must be deleted promptly. Please provide me with written confirmation of the results of your reinvestigation within 30 days, as required by law. If you fail to comply, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal remedies under XXXX. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #16231682 about?
Complaint #16231682 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-09-28T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.