Consumer complaint received 2025-09-01 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: MS

Complaint narrative:
I am writing to formally dispute the false, contradictory, and damaging information that continues to appear on my consumer credit reports. I am an Equifax Data Breach victim, and the ongoing mishandling of my credit file is unacceptable. You are required by law to report only accurate, complete, and verifiable information, yet my reports contain multiple violations of the Fair Credit Reporting Act and Metro 2 compliance standards.

The following accounts are disputed in their entirety and must be deleted if you can not provide documented, verifiable evidence of accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the permanent deletion of the XXXX XXXX XXXX account reporting as a charge-off across my credit files. This account is inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act. You are knowingly reporting contradictory and misleading data in violation of 15 USC 1681e ( b ) and 15 USC 1681i ( a ). The account is marked as closed with a $ 0 monthly payment, yet it continues to show an unpaid balance and past-due amount, which is mathematically impossible under Metro 2 reporting standards. This furnisher has failed to provide consistent and verifiable records, and your continued reporting after prior disputes shows willful non-compliance under 15 USC 1681n. I did not receive the required reinsertion notice under 15 USC 1681i ( a ) ( 5 ) ( B ), further proving your mishandling of this account. I am an Equifax Data Breach victim, and the reporting of unverifiable and contradictory data tied to that breach creates additional consumer harm. I will not accept a correction or partial update. I demand that this account be permanently deleted from my credit report immediately, as required by law when information can not be fully verified for accuracy and completeness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am demanding the permanent deletion of the XXXX  account reporting as a charge-off across all three bureaus. This account is inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act and Metro 2 compliance standards. The tradeline is reported as closed with a {$0.00} balance and {$0.00} past due, yet you continue to list it under a negative charge-off status. This is contradictory, misleading, and mathematically impossible under proper reporting rules. After multiple disputes, the continued presence of this false data proves willful non-compliance with 15 USC 1681e ( b ) and 15 USC 1681i ( a ). By law, unverifiable and inconsistent information must be permanently deleted. Your failure to properly investigate or correct this error, and your decision to recycle a derogatory status despite a {$0.00} balance, violates 15 USC 1681n. As an Equifax Data Breach victim, I am entitled to the highest standard of accuracy. I will not accept partial corrections or cosmetic updates. I demand that this account be permanently deleted from my credit file immediately. * * XXXX XXXX Date of Inquiry : XX/XX/year> I am demanding the permanent deletion of this inquiry from my credit report. This inquiry was made without my authorization and without a permissible purpose under the Fair Credit Reporting Act. You have failed to provide any verified documentation proving that I granted written consent for this pull. Your continued reporting of this unauthorized inquiry after multiple disputes is a violation of 15 USC 1681b regarding permissible purpose, 15 USC 1681e ( b ) requiring maximum possible accuracy, and 15 USC 1681i ( a ) requiring a lawful reinvestigation. By law, unverifiable information must be permanently deleted. As an Equifax Data Breach victim, I am further harmed by the presence of unauthorized inquiries tied to compromised personal data. I demand immediate and permanent deletion of this inquiry from my credit file. 

XXXX XXXX  Date of Inquiry : XX/XX/year> I am demanding the permanent deletion of this inquiry from my credit report. This inquiry was made without my authorization and without a permissible purpose under the Fair Credit Reporting Act. You have failed to provide any verified documentation proving that I granted written consent for this pull. Your continued reporting of this unauthorized inquiry after multiple disputes is a violation of 15 USC 1681b regarding permissible purpose, 15 USC 1681e ( b ) requiring maximum possible accuracy, and 15 USC 1681i ( a ) requiring a lawful reinvestigation. By law, unverifiable information must be permanently deleted. As an Equifax Data Breach victim, I am further harmed by the presence of unauthorized inquiries tied to compromised personal data. I demand immediate and permanent deletion of this inquiry from my credit file. 

Legal Basis for Dispute : FCRA 1681e ( b ) : You must ensure maximum possible accuracy. Contradictions such as Closed vs. Charged-Off, Open vs. Charged-Off, and {$0.00} balance vs. Collection status are clear violations.

FCRA 1681i ( a ) : Once disputed, you must conduct a reasonable reinvestigation. Republishing the same contradictory data with notations like Dispute Resolved Consumer Disagrees proves willful non-compliance.

FCRA 1681n & 1681o : Willful and negligent noncompliance exposes you to liability. Continuing to knowingly publish false and misleading data after disputes is reckless disregard for the law.

Metro 2 Standards : Account Status, Balance, Payment History, and Compliance Condition Codes must align. These accounts violate that requirement, misleading lenders and suppressing my scores.

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