Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am once again disputing the inaccurate and unlawfully reported information on my credit file. Your handling of my previous disputes shows willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and a reckless disregard for accuracy standards under Metro 2. Adding to the severity, the Equifax data breach compromised my personal information, which makes your continued publication of unverifiable and inconsistent data even more damaging and unlawful. 

I demand permanent DELETION of the following accounts : XXXX  XXXX - XXXXXXXX XXXX XXXX You continue reporting this account with unverifiable and inaccurate charge-off data in direct violation of the Fair Credit Reporting Act 1681e ( b ) and 1681i. My previous disputes were ignored, showing willful negligence and reckless disregard for federal law. The late payments and charge-off status remain unverified and inconsistent with Metro 2 standards. Given the Equifax breach and your failure to ensure accuracy, I demand this account be permanently DELETED from my credit file. 

XXXX XXXX - XXXXXXXX XXXX XXXX I am demanding permanent deletion of this account due to your willful failure to comply with the Fair Credit Reporting Act and Metro 2 reporting standards. You continue reporting inaccurate and unverifiable late payments despite prior disputes, which proves deliberate negligence. The Equifax data breach further invalidates the reliability of any data you claim to verify. This account must be permanently DELETED from my credit file immediately. 

XXXX - XX/XX/XXXX This inquiry is not mine. DELETE this immediately from my credit report. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX This inquiry is not mine. DELETE this immediately from my credit report. 

Incorrect Name XXXX XXXX XXXX / XXXX XXXX XXXX I do NOT want any name, address, SSN, or date of birth other than what I listed in this letter to be retained or reported. DELETE any other personal information that infringes on my consumer rights, OR provide evidentiary proof of the legal right to retain such information.

Incorrect DOB XX/XX/XXXX / XXXX I do NOT want any name, address, SSN, or date of birth other than what I listed in this letter to be retained or reported. DELETE any other personal information that infringes on my consumer rights, OR provide evidentiary proof of the legal right to retain such information. 

Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do NOT want any name, address, SSN, or date of birth other than what I listed in this letter to be retained or reported. DELETE any other personal information that infringes on my consumer rights, OR provide evidentiary proof of the legal right to retain such information. 

Incorrect Employer XXXX  XXXX I do NOT want any name, address, SSN, or date of birth other than what I listed in this letter to be retained or reported. DELETE any other personal information that infringes on my consumer rights, OR provide evidentiary proof of the legal right to retain such information.

If you do not comply, your failure will confirm willful noncompliance, leaving me no choice but to pursue all available remedies, including statutory damages, attorneys fees, and injunctive relief.

I expect written confirmation of these deletions within the timeframe required by law.

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