Consumer complaint received 2025-09-02 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: MI

Complaint narrative:
This is a formal demand for immediate and permanent deletion or full correction of the items below. I am not requesting an update or a remark. I require either permanent deletion or complete correction as stated for each item. I disregard any start date fields. 

Item one XXXX XXXX account ending XXXX I demand permanent deletion of the reported thirty day delinquency. The bureaus and the furnisher have not produced original signed contract records a full timestamped payment ledger or chain of custody that proves the alleged late payment. Recycling the same data without source documentation violates the reinvestigation duty in 15 USC 1681i and the furnisher duties in 15 USC 1681s 2 b. Under Metro 2 standards a closed and paid account must not carry derogatory history that can not be substantiated. Listing the account as closed and paid while maintaining a derogatory mark is contradictory and misleading. Remove the derogatory late payment across all bureaus. 

Item two XXXX XXXXXXXX XXXX account ending XXXX This account is closed and paid yet the file contains conflicting remarks such as consumer disputes reinvestigation in progress and closed by consumer while also showing open or negative status. No documentary evidence from the furnisher has been provided in response to prior disputes. This violates 15 USC 1681i and 15 USC 1681s 2 b and fails Metro 2 requirements for complete and consistent field alignment including status codes balance payment history and date of first delinquency. False dispute notations suppress positive history in FICO models. Either delete the account across all bureaus or correct it to Paid as agreed with no dispute notation. 

Item three XXXX XXXX XXXX collection account ending XXXX tied to XXXX I demand permanent deletion. Neither the bureaus nor the collector have produced an original service agreement the chain of title a complete itemized accounting or proof of liability. Reporting the account as verified without those records violates 15 USC 1681i and 15 USC 1681s 2 b and fails Metro 2 documentation expectations for collections including accurate date of first delinquency and ownership history. Remove this collection in full across all bureaus. 

Item four XXXX XXXX account ending XXXX I demand permanent deletion. No original signed lease agreement no acceleration or charge off notice and no complete accounting from inception to charge off have been provided. Continuing to report a charge off as verified without source documentation violates 15 USC 1681i and 15 USC 1681s 2 b and fails Metro 2 standards for charge off reporting including accurate status date fields current balance and remarks. Delete this account across all bureaus. 

Item five unauthorized inquiries including XXXX I did not authorize the inquiry by XXXX or other similar pulls. A consumer report may be accessed only with my written authorization or for a transaction I initiated as required by 15 USC 1681b a 2. Obtaining a report without a permissible purpose violates 15 USC 1681b f. You have not provided any signed authorization or clear permissible purpose in response to prior disputes which violates 15 USC 1681i and the method of verification notice requirements in 611 a 7. Delete all inquiries for which you can not produce the original signed authorization and the exact permissible purpose. 

XXXX notes on accuracy and harm I am a victim of the Equifax data breach. Given that compromise the continued publication of disputed unverifiable and contradictory data is unreasonable and harmful. Leaving these defects in place causes scoring suppression and underwriting denials and creates ongoing emotional and financial harm. 

Summary justification with legal and Metro 2 highlights Failure to ensure maximum possible accuracy violates 15 USC 1681e b Failure to conduct a lawful reinvestigation and to provide a method of verification violates 15 USC 1681i including 1681i a 7 and reinsertion notice duties in 1681i a 5 B Furnishers failure to correct or delete information they know or should know is inaccurate or incomplete violates 15 USC 623 including 623 a 2 and 623 b codified as 15 USC 1681s 2 b Metro 2 requires complete and consistent alignment across all fields including status codes payment history limits balances date of first delinquency dates opened and closed and remarks. The items above show contradictions and unverifiable data and therefore do not meet Metro 2 standards. 

Provide written confirmation that each item has been either permanently deleted across all consumer reporting databases or fully corrected exactly as specified above. I will not accept balance changes courtesy updates or paid notations as a substitute for the required relief.

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