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:
This is my fourth dispute. Despite multiple previous disputes, you continue to knowingly report false, unverifiable, and contradictory information on my consumer credit file. This is a willful violation of FCRA 611 ( 15 U.S.C. 1681i ) and FCRA 623 ( 15 U.S.C. 1681s-2 ), as well as noncompliance with Metro 2 reporting standards. 

Given XXXX history of the massive data breach compromising consumer information, your continued mishandling of my file is unacceptable and unlawful. If you can not provide legally verifiable documentation for each account, you must immediately and permanently delete them. 

Below, I list each disputed account separately : XXXX XXXX  I am demanding permanent deletion of this XXXX account because Equifax continues to knowingly report false and unverifiable information after multiple disputes. This is XXXX XXXX without deletions, which is a direct violation of my rights under 15 U.S.C. 1681i. You are willfully ignoring clear Metro 2 reporting requirements by falsely keeping this account in open status with ongoing delinquency, when in fact collection accounts can not legally report as open revolving debt. 

The data you are publishing is contradictory, inaccurate, and unverifiable. The Date Opened, Date of Last Payment, Date of Last Activity, and Date Reported are all conflicting. These factual inconsistencies are prohibited under Metro 2 guidelines and render the tradeline unreliable.

Coupled with Equifaxs history of data breaches and mishandling of consumer information, I have no faith in your reporting integrity. This account must be permanently deleted from my Equifax credit report. Equifax has had multiple opportunities to comply, yet you continue to willfully report false data. I demand immediate deletion before I escalate this matter to regulatory and legal channels. 

XXXX XXXX XXXXXXXX I am demanding permanent deletion of this XXXX XXXX account because you are knowingly reporting false, inconsistent, and unverifiable information. Equifax is reporting this account as XXXX / XXXX with a closed date of XX/XX/XXXX, while TransUnion reports the same account as XXXX / XXXX with recent updates in XXXX. 

An account can not legally be reported as both open and charged off. This is a blatant Metro 2 violation and clear evidence that the data is not accurate or verifiable. Equifaxs own comments state Subject has not satisfied debt, while TransUnion states Meets FCRA requirements. These conflicting statements can not both be true, which proves the account is unverifiable. 

You have already been given multiple opportunities to correct these errors, yet you continue to willfully violate FCRA 611 and 623 by reporting false and damaging information. I am making a final demand : permanently delete this account from my credit file. If you can not provide documented, verifiable proof that this tradeline is being reported 100 % accurately and consistently across all CRAs, you must delete it immediately. Continued noncompliance will result in legal escalation. 

XXXX XXXX I am demanding permanent deletion of this XXXX account because the data you are publishing is false, contradictory, and unverifiable. Equifax reports a balance higher than the high balance ( {$470.00} vs. {$360.00} ), TransUnion shows different balance and high balance numbers, and Experian reports yet another version. This is a direct Metro 2 violation and clear proof of inaccurate reporting. 

The dates are inconsistent across all three bureaus, with conflicting Last Activity and Date of Last Payment entries that can not all be true. The comments also conflictEquifax claims Charged Off Amount, Experian reports Unpaid Balance Loss, and TransUnion XXXX Profit and Loss Write-Off. These contradictions show the data is unverifiable and unreliable. 

Additionally, you are falsely reporting late payments after the account was already charged off. Metro 2 guidelines explicitly prohibit this practice. Reporting new delinquencies on a charged-off account is willful misrepresentation and a violation of my rights under FCRA 611 and 623. 

You have had multiple opportunities to correct this account and have failed. I am demanding immediate and permanent deletion of this account from my credit file. Continued willful noncompliance will result in escalation through legal and regulatory action. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account because you are knowingly reporting false, inconsistent, and unverifiable data in violation of FCRA 611 and 623. The three bureaus are reporting conflicting Dates of Last Activity, different High Balances, and contradictory comments. This makes the account unverifiable under federal law and Metro 2 reporting standards. 

Equifax claims Charged Off Account, Experian reports Unpaid Balance Loss, and TransUnion reports Profit and Loss Write-Off. These can not all be accurate at the same time. Additionally, you are continuing to report new late payments months and years after the charge-off, which is strictly prohibited under Metro 2 . Reporting rolling lates after a charge-off is willful misrepresentation of data. 

You have failed to correct these errors through multiple disputes, showing willful noncompliance with the FCRA. This account must be immediately and permanently deleted from my credit file. I demand deletion before escalation to regulatory and legal action. 

XXXXXXXX XXXX XXXX XXXX I am demanding permanent deletion of this XXXXXXXX XXXX XXXX  account because the data being reported is false, contradictory, and unverifiable. The XXXX bureaus are reporting different Last Activity Dates, different comments, and contradictory charge-off information. These inconsistencies prove the tradeline is unverifiable under Metro 2 and FCRA 611.

Equifax continues to publish new delinquency notations after the charge-off, which is a willful violation of Metro 2 guidelines. Once an account is charged off, no additional late payments can legally be reported. Continuing to update derogatories on a closed charge-off account is misrepresentation and willful negligence. 

You have failed to correct this account after repeated disputes. I am making my final demand for immediate and permanent deletion of this account from my credit file. Equifax, Experian, and TransUnion are in willful noncompliance, and I will escalate to legal and regulatory action if this deletion is not completed immediately. 

UNKNOWN XXXX I am demanding permanent deletion of this Unknown collection account because Equifax is publishing unverifiable, incomplete, and false information. The account is literally listed as Unknown with no creditor name, no original creditor, and no verifiable source of debt. 

This is a blatant violation of FCRA 611 and 623, as well as Metro 2 reporting standards that require full and accurate identification of account data. Equifax has no legal basis to continue reporting an account when you can not identify the creditor or furnish supporting documentation. Reporting Unknown as the creditor while claiming the debt is valid is willful misrepresentation. 

Furthermore, this account only appears on Equifax and not Experian or TransUnion, proving it is unverifiable and unreliable. This is my final demand : permanently delete this account immediately from my Equifax credit file. Continuing to publish unverifiable information is a clear act of willful noncompliance, and I will escalate to legal and regulatory channels if you do not comply. 

Incorrect Personal Information Incorrect DOB : XX/XX/XXXX Per Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request immediate removal of this inaccurate, unverified, and incorrect personal information from my credit report. 

Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, OK, XXXX Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request immediate removal of this inaccurate, unverified, and incorrect personal information from my credit report. 

In addition, Equifax is publishing inaccurate and unverified personal information, including a wrong date of birth and old or incorrect addresses. These errors persist even after XXXX formal disputes. 

This pattern of misconduct shows willful negligence and noncompliance, not mere error. Equifax has repeatedly failed to provide any verifiable documentation supporting these accounts. The companys continued mishandling of my consumer dataespecially given its history of the massive Equifax Data Breach that compromised consumer informationis unacceptable and unlawful.

Equifaxs refusal to correct these errors is causing ongoing and measurable harm to my credit, reputation, and financial opportunities.

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