Consumer complaint received 2025-09-29 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: AZ

Complaint narrative:
I am formally disputing the inaccurate and unlawful reporting of the following accounts. Under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards, you are required to maintain maximum possible accuracy. Your failure to do so, combined with the Equifax national data breach and the compromise of XXXX XXXX XXXX XXXX XXXX  ), has destroyed the reliability and chain of custody of my personal information. These accounts are now unverifiable, unlawful, and harmful. I demand immediate and permanent DELETION of each account listed below. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am demanding the permanent DELETE of this XXXX  account. You are reporting a {$0.00} balance while simultaneously coding it as a charge-off, which is inaccurate, misleading, and violates XXXX XXXX reporting standards. This false reporting damages my credit profile and shows reckless disregard for accuracy as required under the FCRA, 15 U.S.C. 1681. In addition, Equifaxs national data breach compromised the integrity of my personal information, invalidating the reliability of this reporting. This account must be permanently DELETED immediately as it can not be verified lawfully or reported accurately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I am demanding the permanent DELETE of this XXXX Funding account. You are reporting this as an Open Account while coding it as a collection with 120 days delinquency, which is inaccurate, misleading, and unlawful. This violates XXXX XXXX reporting standards and the FCRA, 15 U.S.C. 1681, requiring maximum possible accuracy. XXXX has no original contract with me, no verifiable proof of assignment, and no legal standing to report. Equifaxs prior national data breach further invalidates the chain of custody of my personal information. This account is reckless, harmful, and unlawful. I demand immediate and permanent DELETION. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I am demanding the permanent DELETE of this XXXX  account. The reporting is inconsistent across bureausEquifax calls it 120 days delinquent, Experian codes it as a collection, and TransUnion fails to report properly. These contradictions prove the data is inaccurate, unverifiable, and in violation of XXXX XXXX standards as well as the FCRA, 15 U.S.C. 1681. Continuing to publish this false and conflicting information shows reckless disregard for accuracy and willful noncompliance. On top of that, Equifaxs data breach compromised the integrity of my personal information, making this reporting unreliable. I demand immediate and permanent DELETION of this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am demanding the permanent DELETE of this account due to willful noncompliance with the Fair Credit Reporting Act and XXXX XXXX reporting standards. Equifax has already lost credibility through the national data breach which compromised the integrity of my personal information. You can not legally continue reporting this account as accurate when the chain of custody of my data has been broken and prior disputes were ignored. This is reckless, harmful, and unlawful. I demand this account be permanently DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  I am demanding the permanent DELETE of this XXXX  account. You are reporting this auto loan as a repossession, charge-off, and lossall while showing inconsistent balances and statuses across bureaus. This reporting is inaccurate, misleading, and violates XXXX XXXX standards as well as the Fair Credit Reporting Act, 15 U.S.C. 1681, which requires maximum possible accuracy. Equifaxs prior national data breach further destroyed the reliability and chain of custody of my personal information. Continuing to report this false data is reckless, harmful, and unlawful. I demand immediate and permanent DELETION of this account. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I am demanding the permanent DELETE of this XXXX XXXX XXXX collection. This furnisher has no legal right to report under XXXX XXXX standards and has failed to provide verifiable proof of ownership or assignment of the alleged debt. Equifax has already compromised my personal information through the national data breach, destroying the chain of custody and reliability of any records. Continuing to report this collection is willful noncompliance with the FCRA and reckless disregard of my rights. This account must be permanently DELETED from my credit file immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am demanding the permanent DELETE of this XXXX account. You are reporting a {$0.00} balance while coding the account as both a charge-off and a collection, which is contradictory, inaccurate, and unlawful under XXXX XXXX standards. This false reporting violates the FCRA, 15 U.S.C. 1681, requiring maximum possible accuracy. The inconsistent data across bureaus proves this account is unverifiable and unreliable. Combined with Equifaxs prior national data breach, the chain of custody of my personal information is broken, making this reporting reckless, harmful, and unlawful. I demand immediate and permanent DELETION of this account. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am demanding the permanent DELETE of this XXXX collection. This furnisher has no valid contract with me, can not prove assignment of the alleged XXXX account, and is reporting inaccurate and unverifiable data. Reporting this account violates XXXX XXXX standards and the Fair Credit Reporting Act, 15 U.S.C. 1681, which requires maximum possible accuracy. Equifaxs data breach further compromised the integrity of my personal information, destroying the reliability of this reporting. This collection is unlawful, reckless, and harmful to me. I demand immediate and permanent DELETION.

Inaccurate Personal Information Incorrect Name : XXXX XXXX XXXX IMMEDIATELY Incorrect Name : XXXX XXXX DELETE IMMEDIATELY Incorrect DOB : XX/XX/year> DELETE IMMEDIATELY Incorrect DOB : XXXX  DELETE IMMEDIATELY Incorrect Address : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX DELETE IMMEDIATELY Incorrect Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX DELETE IMMEDIATELY Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX DELETE IMMEDIATELY Incorrect Employer XXXX XXXX XXXX XXXX DELETE IMMEDIATELY Incorrect Employer : XXXX XXXX XXXX DELETE IMMEDIATELY Incorrect Employer : XXXXXXXX XXXX XXXX XXXX DELETE IMMEDIATELY Incorrect Employer : XXXX XXXX XXXX DELETE IMMEDIATELY Final Demand You are on notice. These accounts are inaccurate, unverifiable, and unlawful. The Equifax Data Breach and the XXXX XXXX XXXX compromise destroyed the chain of custody of my information, making continued reporting reckless and willful noncompliance under the FCRA. I demand immediate and permanent DELETION of each account. Anything less will be treated as continued violation of my rights.

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