Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
This is a direct and formal dispute under FCRA XXXX, XXXX, and XXXX. The accounts listed below are being reported in violation of XXXX XXXX reporting standards and the Fair Credit Reporting Act. These items are inaccurate, unverifiable, and continue to cause unlawful damage to my credit profile. 

I remind you that Equifax has already admitted to failing to protect consumer data during its nationwide data breach, which left millions of consumers, including myself, exposed to harm. With XXXX XXXX XXXX ( NPD ) compromised, your continued mishandling of my file and verification of unverifiable accounts further demonstrates reckless disregard and willful noncompliance. 

Because of these violations, I demand immediate and permanent deletion of each account listed below. 

XXXXXXXX XXXX XXXXXXXX You are reporting derogatory late payments on a closed and paid account with a XXXX balance. This is a willful violation of FCRA 623 and Metro 2 reporting standards, because once an account is closed and satisfied it can not lawfully carry negative marks that misrepresent its final status. By continuing to report derogatory data, you are publishing inaccurate and harmful information that is unverifiable. I demand the permanent and immediate deletion of this entire account from my credit file. 

XXXX XXXXXXXX You are reporting a closed XXXX credit card account with derogatory charge-off remarks and a balance that is no longer being collected. This is inaccurate and misleading, violating FCRA 623 and Metro 2 reporting standards that require closed accounts to be reported with complete accuracy. Continuing to report it as a charge-off after closure is willful noncompliance and harmful to my credit profile. I demand the permanent and immediate deletion of this entire account from my credit report. 

XXXX  XXXX XXXX You are reporting a closed XXXX XXXX account as a charge-off with derogatory remarks, even though the balance is no longer being collected. This is inaccurate, misleading, and a direct violation of FCRA 623 and Metro 2 standards, which require data to be XXXX XXXX accurate, complete, and verifiable. Continuing to report this as a charge-off after closure is willful noncompliance and causes unlawful harm to my credit profile. I demand the permanent and immediate deletion of this entire account from my credit report. 

XXXX XXXX XXXXXXXX You are reporting a closed Convergent Outsourcing collection account with a {$0.00} balance as derogatory, which is inaccurate, misleading, and unlawful. Once a collection is paid or has a XXXX balance, XXXX XXXX compliance does not permit continued reporting as a charge-off. This is a clear violation of FCRA 623 and demonstrates willful noncompliance. I demand the permanent and immediate deletion of this entire account from my credit file. 

Unauthorized Inquiries XXXX XXXXXX/XX/XXXX This inquiry was placed without my authorization. Since it can not be verified as permissible under FCRA 604, it must be permanently deleted. 

XXXX XX/XX/XXXX This inquiry is unauthorized and harmful. No permissible purpose was granted under FCRA 604, requiring permanent deletion. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is inaccurate and reported without my consent. It violates permissible purpose under FCRA 604 and must be permanently deleted. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without my authorization and is not connected to any credit application I initiated. It must be permanently deleted for violating FCRA 604. 

XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and unverifiable. I never granted permissible purpose under FCRA 604 ; therefore, it must be permanently deleted. 

Incorrect Personal Information Incorrect Name XXXX XXXX This name is not associated with me. It is a serious reporting error that violates FCRA 609. I demand permanent deletion of this inaccurate personal identifier. 

Incorrect Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This address is not mine and reporting it is inaccurate and misleading. I demand permanent deletion under FCRA 609. 

Incorrect Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is falsely tied to my file. It is inaccurate and unverifiable, violating FCRA 609. I demand permanent deletion. 

Incorrect Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is falsely reported as mine. It is inaccurate and misleading. I demand permanent deletion under FCRA 609. 

Incorrect Address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX This address is not mine and reporting it is inaccurate and misleading. I demand permanent deletion under FCRA 609. 

Incorrect Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is not mine and is an error in reporting. I demand permanent deletion under FCRA 609.

EMPLOYER DOCTORS HOSPITAL This employer information is false, outdated, and unverifiable. It must be permanently deleted under FCRA 609 for reporting inaccurate personal data.

Equifax has already proven it can not safeguard consumer data. With my information already exposed through the data breach and XXXX, your duty to ensure strict accuracy and verifiability is even higher. These accounts are unverifiable and harmful, and I demand that they be permanently deleted from my credit file within the XXXX FCRA investigation period.

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