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: NC

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 ( FCRA ) 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 I am furious that after multiple disputes you continue to report the XXXX XXXX account with false, inconsistent, and unverifiable data. This account is being furnished in violation of FCRA 611 ( a ), 607 ( b ), and Metro 2 reporting requirements. You are reporting conflicting account statuses across the bureaus, showing it as both open and closed, which proves the data can not be verified or maintained accurately. That is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information. Your repeated failure to reasonably reinvestigate constitutes willful noncompliance under 15 U.S.C. 1681n. By continuing to publish misleading derogatory remarks, you are engaging in reckless disregard for my rights and knowingly damaging my credit profile. I demand that you permanently delete the XXXX XXXX collection account from all credit files immediately. Retaining this unverifiable and inaccurate data will be treated as willful noncompliance, and I will pursue all remedies available to me under the law. 

XXXX  XXXX I am outraged that after four previous disputes you continue to willfully report inaccurate, misleading, and unverifiable information on the XXXX account. This constitutes willful noncompliance with FCRA 611 ( a ) and 607 ( b ) and violates Metro 2 reporting standards by failing to maintain accuracy, integrity, and full compliance. You are knowingly reporting false derogatory data, including charge-off status and late payments, without proper verification. This is reckless disregard of my rights under 15 U.S.C. 1681n and 1681o. You have failed to conduct a reasonable reinvestigation and instead continue publishing damaging information you can not lawfully verify. This ongoing behavior is misleading, deceptive, and a direct violation of FCRA 623 ( a ) ( 1 ) ( A ). Since you can not or will not correct the inaccuracies, I demand permanent deletion of the XXXX account from my credit file. Any continued reporting of unverifiable derogatory remarks will be treated as willful noncompliance and pursued through my private right of action. 

XXXX XX/XX/XXXX I am demanding the immediate and permanent deletion of this unauthorized inquiry. This inquiry was placed on my credit file without my knowledge or permissible purpose under FCRA 604 ( a ). You are willfully violating my rights under 15 U.S.C. 1681b by allowing third parties to access and publish my personal credit data without a valid, documented authorization. Your failure to maintain strict compliance with FCRA 607 ( a ) and Metro 2 standards is reckless and damaging. An inquiry that can not be fully verified with a signed consumer authorization is an impermissible invasion of my privacy and must be permanently deleted. Continuing to report this unlawful inquiry is willful noncompliance, and I will pursue legal remedies under 15 U.S.C. 1681n for damages. I demand you permanently delete this inquiry immediately. 

XXXX XX/XX/XXXX I am demanding the immediate and permanent deletion of this unauthorized inquiry. This inquiry was placed on my credit file without my knowledge or permissible purpose under FCRA 604 ( a ). You are willfully violating my rights under 15 U.S.C. 1681b by allowing third parties to access and publish my personal credit data without a valid, documented authorization. Your failure to maintain strict compliance with FCRA 607 ( a ) and Metro 2 standards is reckless and damaging. An inquiry that can not be fully verified with a signed consumer authorization is an impermissible invasion of my privacy and must be permanently deleted. Continuing to report this unlawful inquiry is willful noncompliance, and I will pursue legal remedies under 15 U.S.C. 1681n for damages. I demand you permanently delete this inquiry immediately. 

XXXX XXXX XXXXXX/XX/XXXX I am demanding the immediate and permanent deletion of this unauthorized inquiry. This inquiry was placed on my credit file without my knowledge or permissible purpose under FCRA 604 ( a ). You are willfully violating my rights under 15 U.S.C. 1681b by allowing third parties to access and publish my personal credit data without a valid, documented authorization. Your failure to maintain strict compliance with FCRA 607 ( a ) and Metro 2 standards is reckless and damaging. An inquiry that can not be fully verified with a signed consumer authorization is an impermissible invasion of my privacy and must be permanently deleted. Continuing to report this unlawful inquiry is willful noncompliance, and I will pursue legal remedies under 15 U.S.C. 1681n for damages. I demand you permanently delete this inquiry immediately. 

XXXX  XX/XX/XXXX I am demanding the immediate and permanent deletion of this unauthorized inquiry. This inquiry was placed on my credit file without my knowledge or permissible purpose under FCRA 604 ( a ). You are willfully violating my rights under 15 U.S.C. 1681b by allowing third parties to access and publish my personal credit data without a valid, documented authorization. Your failure to maintain strict compliance with FCRA 607 ( a ) and Metro 2 standards is reckless and damaging. An inquiry that can not be fully verified with a signed consumer authorization is an impermissible invasion of my privacy and must be permanently deleted. Continuing to report this unlawful inquiry is willful noncompliance, and I will pursue legal remedies under 15 U.S.C. 1681n for damages. I demand you permanently delete this inquiry immediately. 

XXXX XXXX XX/XX/XXXX I am demanding the immediate and permanent deletion of this unauthorized inquiry. This inquiry was placed on my credit file without my knowledge or permissible purpose under FCRA 604 ( a ). You are willfully violating my rights under 15 U.S.C. 1681b by allowing third parties to access and publish my personal credit data without a valid, documented authorization. Your failure to maintain strict compliance with FCRA 607 ( a ) and Metro 2 standards is reckless and damaging. An inquiry that can not be fully verified with a signed consumer authorization is an impermissible invasion of my privacy and must be permanently deleted. Continuing to report this unlawful inquiry is willful noncompliance, and I will pursue legal remedies under 15 U.S.C. 1681n for damages. I demand you permanently delete this inquiry immediately. 

Incorrect Name XXXX XXXX I am demanding the immediate and permanent deletion of the inaccurate personal identification data you are reporting on my file. This information is false, misleading, and unverifiable. By continuing to publish and circulate inaccurate identifiers, you are violating FCRA 607 ( b ), which requires you to follow reasonable procedures to assure maximum possible accuracy of consumer information. You are willfully mixing and associating data that does not belong to me, creating confusion in my credit profile. This reckless mishandling of my personal information constitutes willful noncompliance under 15 U.S.C. 1681n. I never authorized you to attach these identifiers to my file, and your failure to correct them after disputes is evidence of negligent reinvestigation under FCRA 611 ( a ). I demand that you permanently delete all inaccurate and unverifiable PID immediately. Any continued publication of false identifiers will be treated as willful noncompliance and pursued through my private right of action. 

Incorrect XXXX XX/XX/XXXX I am demanding the immediate and permanent deletion of the inaccurate personal identification data you are reporting on my file. This information is false, misleading, and unverifiable. By continuing to publish and circulate inaccurate identifiers, you are violating FCRA 607 ( b ), which requires you to follow reasonable procedures to assure maximum possible accuracy of consumer information. You are willfully mixing and associating data that does not belong to me, creating confusion in my credit profile. This reckless mishandling of my personal information constitutes willful noncompliance under 15 U.S.C. 1681n. I never authorized you to attach these identifiers to my file, and your failure to correct them after disputes is evidence of negligent reinvestigation under FCRA 611 ( a ). I demand you permanently delete all inaccurate and unverifiable PID immediately. Any continued publication of false identifiers will be treated as willful noncompliance and pursued through my private right of action. 

Incorrect Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX am demanding the immediate and permanent deletion of the inaccurate personal identification data you are reporting on my file. This information is false, misleading, and unverifiable. By continuing to publish and circulate inaccurate identifiers, you are violating FCRA 607 ( b ), which requires you to follow reasonable procedures to assure maximum possible accuracy of consumer information. You are willfully mixing and associating data that does not belong to me, creating confusion in my credit profile. This reckless mishandling of my personal information constitutes willful noncompliance under 15 U.S.C. 1681n. I never authorized you to attach these identifiers to my file, and your failure to correct them after disputes is evidence of negligent reinvestigation under FCRA 611 ( a ). I demand you permanently delete all inaccurate and unverifiable PID immediately. Any continued publication of false identifiers will be treated as willful noncompliance and pursued through my private right of action.

These repeated errors show a reckless disregard for accuracy and compliance with federal law. The agency has failed to conduct proper reinvestigations as required under FCRA 611 ( a ), knowingly reporting false and unverifiable information. This negligence has caused significant harm to my credit reputation and personal privacy.

I have kept strict records of all prior disputes and communications, and the continued reporting of these false items constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o.

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