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: CA

Complaint narrative:
I am writing to formally demand the immediate and permanent deletion of the following accounts from my credit report. This is Round 6 of my disputes. I am an Equifax Data Breachimpacted consumer. Your repeated failure to correct these inaccuracies is willful noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ), 1681n, 1681o ). You have failed to reinvestigate properly, and you continue to report unverifiable, misleading, and inaccurate derogatory information in violation of federal law and Metro 2 standards. 

XXXX Account ending in XXXX ( XXXX ) I am demanding permanent deletion of this XXXX account because you have willfully failed to comply with the Fair Credit Reporting Act. I have disputed this account multiple times, and you have failed to provide proper validation as required under 15 U.S.C. 1681i. This account was charged off, sold, and transferred to another party. You continue to report it as derogatory with inaccurate late-payment history, even though the furnisher no longer owns or services this account. This is a direct violation of 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, as well as a Metro 2 compliance violation because you are knowingly publishing misleading, incomplete data. By continuing to report this charge-off, you are damaging my credit profile with information that no longer serves any permissible purpose under the FCRA. Since you can not verify the accuracy of the payment history and the account has been sold, the only lawful and acceptable resolution is permanent DELETION of this account from my credit file. This is my Round 6 dispute. Your repeated refusal to correct these violations demonstrates willful noncompliance under 15 U.S.C. 1681n. I demand immediate and permanent deletion of this account in its entirety. 

XXXX  Account ending in XXXX ( XXXX ) I am demanding permanent deletion of this XXXX account due to your willful and reckless violations of my consumer rights under the Fair Credit Reporting Act. I have disputed this account multiple times, and you continue to report unverifiable derogatory information in violation of 15 U.S.C. 1681i, which requires you to conduct a proper reinvestigation. Your continued reporting of this account with a charge-off balance, late-payment history, and derogatory coding is inaccurate, misleading, and fails to comply with Metro 2 reporting standards . This account can not be verified with maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). You are knowingly reporting false, incomplete, and damaging information, which constitutes willful noncompliance under 15 U.S.C. 1681n. Because you have failed to validate this account after multiple disputes, you no longer have a permissible purpose to continue publishing this data. Updating or altering remarks is not acceptable. I am demanding that you permanently DELETE this account in its entirety from my credit file. This is my Round 6 dispute. Your repeated refusal to comply makes this a clear case of willful violation of my rights. Permanent deletion is the only acceptable remedy. 

Unauthorized/impermissible access ( hard inquiries ) to be deleted For each of the following, this company requested and obtained a copy of my consumer report without my consent or a permissible purpose in violation of the FCRA ( see 15 U.S.C. 1681b for permissible purposes ; 15 U.S.C. 1681q regarding obtaining a report under false pretenses ). This conduct has violated my privacy, and I am very upset by the invasion. DELETE each inquiry from my report ASAP : XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX I am writing to formally demand the immediate and permanent deletion of the following accounts from my credit report. This is Round 6 of my disputes. Your repeated failure to correct these inaccuracies is willful noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ), 1681n, 1681o ). You have failed to reinvestigate properly, and you continue to report unverifiable, misleading, and inaccurate derogatory information in violation of federal law and Metro 2 standards. 

XXXX Account ending in XXXX ( XXXX ) [ See detailed statement above ; permanent deletion demanded. ] XXXX Account ending in XXXX ( XXXX ) [ See detailed statement above ; permanent deletion demanded. ] XXXX XXXX  Account ending in XXXX ( XXXX ) I am demanding permanent deletion of this XXXX XXXX account due to your willful noncompliance with the Fair Credit Reporting Act. I have disputed this account multiple times, and you have failed to provide any verifiable documentation proving accuracy as required by 15 U.S.C. 1681i. Your continued reporting of a charge-off with unverifiable payment history is reckless and constitutes willful noncompliance under 15 U.S.C. 1681n and 1681o. Your reporting fails to meet Metro 2 compliance standards, as the coding does not reflect accurate, verifiable account status. Continuing to publish false derogatory data violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in credit reporting. You are knowingly reporting incomplete and inaccurate information that can not be substantiated, which damages my credit profile. Since you have failed to correct or validate after repeated disputes, this account no longer has a permissible purpose to remain on my file. I am demanding that you permanently DELETE this entire account from my credit report immediately. Updating or altering remarks is not an acceptable remedy. The only acceptable outcome is permanent deletion. This is Round 6 of my disputes. Your refusal to comply further proves your willful violation of my consumer rights. I demand permanent deletion of this account without delay. 

XXXX Account ending in XXXX ( XXXX ) I am demanding permanent deletion of this XXXX account because you have willfully failed to comply with the Fair Credit Reporting Act. I have disputed this account multiple times, and you have failed to provide proper validation as required under 15 U.S.C. 1681i. This account was charged off, sold, and transferred to another party. You continue to report it as derogatory with inaccurate late-payment history, even though the furnisher no longer owns or services this account. This violates 15 U.S.C. 1681e ( b ) and Metro 2 standards. By continuing to report this charge-off, you are damaging my credit profile with information that no longer serves any permissible purpose under the FCRA. Since you can not verify the accuracy of the payment history and the account has been sold, the only lawful and acceptable resolution is permanent DELETION of this account from my credit file. This is my Round 6 dispute. Your repeated refusal to correct these violations demonstrates willful noncompliance under 15 U.S.C. 1681n. I demand immediate and permanent deletion of this account in its entirety. Additional unauthorized/impermissible access ( hard inquiries ) to be d
eleted Again, for each item below, the company requested and obtained my consumer report without my consent or a permissible purpose ( 15 U.S.C. 1681b ) and in violation of 15 U.S.C. 1681q. This conduct has violated my privacy. DELETE each inquiry from my report ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Removal of inaccurate personal information Per FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, Social Security number, or date of birth other than what I have listed as my correct personal information on file. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it. 

Incorrect Names to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Dates of Birth to remove : XX/XX/XXXX XXXX Incorrect Addresses to remove : XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Employers to remove : XXXX SELF EMPLOYED The bureaus have also continued to report inaccurate personal information, including incorrect names, dates of birth, addresses, and employers, which I have repeatedly requested to be deleted per FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ).

Each round of dispute has resulted only in superficial updates or unverified verified responses, with no documentation proving the accuracy of the data being reported. This pattern of behavior demonstrates willful and reckless disregard of my rights under federal law.

As a result, my creditworthiness has been severely damaged, and my personal dataalready compromised in the Equifax Data Breachcontinues to be mishandled and republished inaccurately.

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