Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TREAT THIS NOTICE AS AN EMERGENCY DUE TO FALSE DATA ENTRY AND HARMING MY CREDITABILITY TO ACHIEVE GOALS AND TO BECOME A FIRST-TIME HOME BUYER.

TO : Experian / Equifax / TransUnion RE : SECOND NOTICE DEMAND FOR IMMEDIATE DELETION AND PERMANENT REMOVAL OF INACCURATE, FRAUDULENT, AND UNAUTHORIZED DATA To Whom It May Concern : This correspondence serves as my second formal demand regarding false, inaccurate, and damaging information being reported on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ). You are now on legal notice to investigate, correct, and permanently delete the following items within five ( 5 ) business days of receipt of this letter. 

XXXX XXXX XXXXXXXX ( Acct. ending in XXXX ) This account, which shows a closed status, reflects a false and inaccurate delinquency history for XX/XX/XXXX through XX/XX/XXXX. The record states that the account was closed in XX/XX/XXXX, yet simultaneously reports 30, 60, and 90-day delinquencies up to that point with no clear recent payment or balance activity. 

This is a violation of : FCRA 1681e ( b ) failure to follow reasonable procedures to assure maximum possible accuracy Metro 2 Guidelines misrepresentation of delinquency reporting on a closed account FCRA 1681s-2 ( b ) failure to correct previously disputed and false data Demand : Remove all payment history from this account or delete the tradeline entirely as it is misleading and materially damaging. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. ending in XXXX ) This account reflects multiple past due payments and falsely reports severe delinquencies, including XXXX late marks as recently as XX/XX/XXXX, even though the balance is now {$0.00} and the account shows open. These delinquencies contradict the current balance and status. 

FCRA 1681e ( b ) violation data is internally inconsistent Metro 2 Guidelines incorrect reporting for active accounts at {$0.00} balance FCRA 1681s-2 ( b ) failure to investigate and update disputed account Demand : Correct the payment history to reflect accurate status, or delete this account entirely from all consumer reports.

3. UNAUTHORIZED INQUIRIES FRAUDULENT AND UNVERIFIED XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX These hard inquiries were made without my authorization, consent, or benefit. I have not initiated applications with these institutions. Under the FCRA 604 ( a ) ( 3 ), a hard inquiry requires a permissible purpose. These inquiries were made fraudulently and without any verified application initiated by me.

You are obligated under FCRA 611 to conduct a reinvestigation of the inquirys legitimacy and under 605B, to block and delete any data resulting from identity theft or fraud.

Demand : Immediately remove and block the above unauthorized inquiries from my credit file.

YOU HAVE FIVE ( 5 ) BUSINESS DAYS This is my second attempt to notify your office of these inaccuracies. Continued reporting of false or unverifiable information after notice constitutes willful noncompliance with the FCRA and may subject your agency and data furnishers to civil liability under : 15 U.S.C. 1681n ( for willful violations ) 15 U.S.C. 1681o ( for negligent noncompliance ) Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential civil litigation.

Documents Enclosed : Copy of my Government-Issued ID Copy of a recent utility bill or proof of address Highlighted copy of my credit report showing the disputed items Sincerely, XXXX XXXX

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