Consumer complaint received 2025-10-08 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: NY

Complaint narrative:
I am beyond dissatisfied with your continued failure to correct or permanently delete inaccurate, unverifiable, and nonMetro XXXX compliant accounts from my credit file. Your repeated refusal to comply is a direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ), 1681i, and 1681s-2 ( b ). 

I now demand immediate and permanent deletion of the following accounts and personal information : Accounts in Violation XXXX XXXX XXXX XXXXXXXX I demand permanent deletion of this account because it is reported with false, inconsistent, and unverifiable information in direct violation of the FCRA and XXXX XXXX standards. The bureaus are showing conflicting data on balances, dates, and payment history, which makes this account inaccurate and misleading. By continuing to report it after prior disputes, you are willfully violating FCRA 1681i and 1681s-2. 
You can not lawfully keep furnishing data that fails to meet accuracy and verification requirements. Since this tradeline can not be 100 % verified in full compliance, the only proper action is immediate and permanent deletion of the entire account from my credit file. I expect written confirmation of deletion without delay. 

XXXX XXXX XXXX XXXX I demand permanent deletion of this account because it is being reported with false, inconsistent, and unverifiable information in willful violation of the FCRA and XXXX XXXX standards. Experian shows Collection/Chargeoff while other bureaus can not even verify the account details. This proves the data is inaccurate, misleading, and damaging to my credit. 
You have ignored my prior disputes and continue to report false information, which is a direct violation of FCRA 1681i and 1681s-2. Since you can not provide complete and verifiable records, the only lawful remedy is immediate permanent deletion of this account from my credit file. I expect written confirmation of deletion. 

XXXX XXXX XXXXXX/XX/XXXX I already stated that this is unknown to me. The FCRA clearly states that permissible purposes for pulling a consumers credit report include only : a firm offer of credit, insurance, court order, or employment. 
With that being said, I am unaware of this inquiry, I never authorized it, and I request that your agency remove it from reporting on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX I already stated that this is unknown to me. The FCRA states that the only permissible purposes for accessing a credit report are : firm offer of credit, insurance, court order, or employment. I never authorized this inquiry and demand that it be deleted immediately from my credit file. 

XXXX XXXX XXXX XXXXXX/XX/XXXX I have no knowledge of this inquiry. As stated, the FCRA restricts access to a consumers credit report to specific permissible purposes. I never authorized this inquiry. Please remove it from my credit file immediately. 

XXXX XX/XX/XXXX This inquiry is also unknown to me. Since I never provided authorization and there is no permissible purpose under the FCRA, I demand immediate deletion of this inquiry from my credit file. 

Personal Information Errors Incorrect Date of Birth : XX/XX/XXXX Delete any date of birth other than what I have listed in this letter. Provide proof if you believe you have the right to retain this incorrect data. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are inaccurate and unauthorized. I demand deletion of any addresses not listed as current and valid by me, or provide documented proof of the legal basis for retaining them. 

Incorrect Employer : XXXX XXXX I do not authorize the reporting or retention of this employer. Please delete this immediately or provide proof of your legal right to retain it. 

The credit bureau has refused to properly investigate or remove unverifiable information as required by law. This ongoing inaction continues to cause credit damage, emotional distress, and denial of fair access to credit. 

Furthermore, as an Equifax Data Breach impacted consumer, I am especially concerned about the mishandling and retention of incorrect personal identifiers that could lead to identity confusion or further harm.

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