Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing with extreme dissatisfaction regarding your continued mishandling of my credit file. After multiple disputes, you have willfully ignored your obligations under the Fair Credit Reporting Act and Metro 2 standards. Your repeated failure to correct or delete inaccurate data shows reckless disregard for my rights under 15 U.S.C. 1681n and 1681o. I am keeping strict records of all disputes and will not tolerate further violations. 

XXXX XXXX XXXX XXXX I am demanding the permanent DELETE of the false late payment remarks being reported on my open account with XXXX XXXX XXXX I have disputed this repeatedly, and yet Equifax continues to recycle the same inaccurate and unverifiable data in willful violation of FCRA 1681i by failing to properly reinvestigate, and 1681e ( b ) by continuing to publish information that is not accurate or complete. Metro 2 guidelines require late payment coding to be precise, consistent, and verifiable ; your reporting is not, and it directly harms my creditworthiness. 

I am not disputing the existence of the account itself. I am disputing the fabricated late payment notations that have no factual or verifiable basis. If you can not provide signed and verifiable documentation proving that I was truly late, you must permanently DELETE all late payment history and update the account to Paid as Agreed or Paying as Agreed. Leaving the account open is acceptable, but retaining derogatory remarks without proof is unlawful. 

XXXX XXXXXXXX I am demanding the permanent DELETE of this XXXX XXXX collection account. Equifax is reporting it as Open, which violates Metro 2 standardscollections can not be coded as active open accounts. You are listing a balance without providing verifiable proof or proper validation, which violates FCRA 1681i and 1681e ( b ). I have disputed this account, yet you continue to recycle the same false data. This is reckless, willful noncompliance that causes direct harm to my credit profile. Updating the account will not fix the violations. The only lawful resolution is to DELETE this account entirely from my credit report. 

XXXX XXXX I am demanding the permanent DELETE of this XXXXXXXX XXXX collection account. Equifax is willfully misreporting it as Open, which is a direct Metro 2 violation since collections can not be coded as active open accounts. You list a balance with no verified proof, no contract, and no admissible validation. Equifax has ignored repeated disputes, violating FCRA 1681i and 1681e ( b ). This is reckless noncompliance and continued harm to my credit. Updating the status will not fix the unlawful reporting. The only proper resolution is to DELETE this account entirely from my credit report. 

XXXX XXXX I am demanding the permanent DELETE of this XXXX XXXX XXXX account. Equifax is willfully reporting it inaccurately and in violation of FCRA 1681i, 1681e ( b ), and Metro 2 standards. A collection account can not be reported as Open, yet you continue to list it that way with a balance you can not validate. You have failed to provide proof, failed to correct errors, and ignored repeated disputes. This is reckless noncompliance, harmful to my credit, and unacceptableespecially given Equifaxs history of data breaches. Updating the status will not fix the violations. The only lawful resolution is to DELETE this account entirely from my credit report. 

XXXX XXXX  XXXX I am demanding the permanent DELETE of this XXXX XXXX account. Equifax, Experian, and TransUnion are reporting it with conflicting and inaccurate statusesCharge-off, Transferred to recovery, Profit and loss write-off. This violates FCRA 1681e ( b ) and 1681i, as well as Metro 2 standards requiring accuracy and consistency across all bureaus. No verifiable proof or signed contract has been provided to validate this alleged debt. Instead, the bureaus continue to recycle false derogatory remarks after disputes, showing willful noncompliance. This reporting is reckless, damaging, and unlawful. The only proper resolution is to DELETE this account entirely from my credit report. 

XXXX XXXX XXXX I am demanding the permanent DELETE of this XXXX XXXX account. It is being reported with charge-off and derogatory remarks that are inaccurate, unverifiable, and a clear violation of FCRA 1681e ( b ) and 1681i. Metro 2 standards require consistency and accuracy, yet this account is coded with contradictory data across bureaus, misleading my credit profile. Equifax, Experian, and TransUnion have failed to properly reinvestigate, ignored disputes, and continued to recycle false information. Reporting it as Charged Off while listing a balance and closed status is reckless noncompliance. The only lawful and acceptable resolution is to DELETE this account entirely from my credit report. 

XXXX XXXX  XXXX I am demanding the permanent DELETE of this XXXX account. Equifax, Experian, and TransUnion are reporting it with conflicting and inaccurate statusesCharge-off, Transferred/Sold, Purchased by another lenderwhich violates FCRA 1681e ( b ) and 1681i, as well as Metro 2 requirements for accuracy and consistency. No valid proof or contract has been provided to verify this alleged debt. Instead, the bureaus continue to recycle false derogatory data even after disputes. This is reckless, willful noncompliance and intentional harm to my credit profile. The only proper resolution is to DELETE this account entirely from my credit report. 

XXXX XXXX I am demanding the permanent DELETE of this XXXX collection account. Equifax, Experian, and TransUnion are reporting it with contradictory and inaccurate statusesClosed, Open, Charge-offwhich violates FCRA 1681e ( b ) and 1681i, as well as Metro 2 compliance standards requiring uniform and verifiable reporting. You have failed to provide proof or validation of this alleged debt, yet you continue to recycle false derogatory data after disputes. This is reckless noncompliance and intentional harm to my credit profile. Updating the status will not fix the violations. The only lawful and proper resolution is to DELETE this account entirely from my credit report. 

XXXX XXXX I am demanding the permanent DELETE of this XXXX account. Equifax, Experian, and TransUnion are reporting it with conflicting and inaccurate statusesCharge-off, Transferred/Sold, Purchased by another lenderwhich violates FCRA 1681e ( b ) and 1681i, along with Metro 2 reporting standards that require uniform and accurate reporting. No verifiable documentation or contract has been provided to validate this alleged debt. Instead, the bureaus continue to recycle false derogatory remarks even after disputes. This is reckless, willful noncompliance and directly harms my credit profile. The only lawful resolution is to DELETE this account entirely from my credit report. 

XXXX XXXX XXXX I am demanding the permanent DELETE of this XXXX XXXX account. It is being reported with charge-off, settlement, and derogatory remarks that are inaccurate, contradictory, and unverifiable. This violates FCRA 1681e ( b ) and 1681i, as well as Metro 2 reporting standards, which require accuracy and consistency across all credit bureaus. Equifax, Experian, and TransUnion are reporting different statusesCharge-off, Settled, Paid less than full balancewhich proves the data is unreliable and can not be verified. Continuing to recycle this false information after disputes is reckless noncompliance and intentional harm to my credit profile. The only lawful solution is to DELETE this account completely from my credit report. 

Unauthorized Inquiries Each of the following inquiries violates 15 U.S. Code 1681b. You had no permissible purpose to access my creditno application, no transaction, and no written consent. Produce a signed contract proving my consent or DELETE these inquiries immediately. No proof means no right to report. Each instance represents willful noncompliance under FCRA 616 and 617. 

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 For each of the above, DELETE the inquiry immediately. I am prepared to escalate with the CFPB and pursue damages in court if these violations are not corrected.

Inaccurate Personal Information I am disputing the inaccurate personal information on my credit report. The incorrect names, addresses, and other personal details do not belong to me and must be immediately removed under 15 U.S. Code 1681c. Inaccurate personal data leads to misattributed accounts and reporting errors, violating FCRA compliance. 

DELETE the following immediately : Incorrect Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Incorrect DOBs : XX/XX/XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX  These errors have directly harmed my creditworthiness, caused emotional distress, and interfered with my ability to obtain credit and fair financial opportunities. Equifaxs repeated failure to correct these inaccuracies despite clear notice demonstrates reckless disregard for federal law and consumer protection standards.

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