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: VA

Complaint narrative:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA 602A, 604, 609, and 611 ) and XXXX XXXX Compliance Guidelines. I have been severely impacted by Equifaxs repeated negligence and data breach, which compromised my personal information and invalidated your ability to verify the accuracy or integrity of any reported data.

Your continued reporting of inaccurate and unverifiable information after previous disputes is clear evidence of willful noncompliance. You are now on notice that each item listed below must be permanently deleted or corrected in strict adherence to federal law.

I expect a full reinvestigation within 15 days and written confirmation of each deletion. 

Accounts XXXX XXXX - XXXX / XXXX Closed, paid, and still being reported with derogatory remarks. This is false, harmful, and unverifiable. Violates FCRA 1681e ( b ), 1681i, and XXXX XXXX standards. I demand permanent deletion of this entire account. 

XXXX - XXXX Open account must be updated to Pays as agreed. Late payment remarks are false, unverifiable, and violate FCRA 1681e ( b ) and XXXX XXXX accuracy standards. Correct immediately. 

XXXX - XXXX Open and current, yet reported with negative remarks. This is false and unverifiable. Update all late payments to Pays as agreed without delay. 

XXXX - XXXX / XXXX / XXXX Open and reporting current, yet derogatory remarks remain. Violates FCRA 1681e ( b ) and XXXX XXXX standards. Update all payment history to Pays as agreed immediately. 

XXXX XXXX - XXXX Closed, charged off, and still reporting derogatory remarks. Harmful, unverifiable, and in violation of FCRA 1681e ( b ), 1681i, and XXXX XXXX standards. I demand permanent deletion. 

XXXX XXXX - XXXX Inaccurate and unverifiable collection reported as closed derogatory. Violates FCRA 1681e ( b ), 1681i, and XXXX XXXX standards. Demand permanent deletion. 

XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate and unverifiable collection account. Reported in violation of FCRA 1681e ( b ), 1681i, and XXXX XXXX standards. Demand permanent deletion. 

XXXX  XXXX - XXXX Closed, derogatory collection. Inaccurate and unverifiable. Violates FCRA 1681e ( b ), 1681i, and XXXX XXXX standards. Demand permanent deletion. 

XXXX XXXX  / XXXX XXXX XXXX - XXXX Reported as collection with derogatory remarks that are inaccurate and unverifiable. Harmful and noncompliant with FCRA 1681e ( b ), 1681i, and XXXX XXXX standards. Demand permanent deletion. 

Unknown - XXXX Closed, paid, unverifiable collection. Reporting derogatory status violates FCRA 1681e ( b ), 1681i, and XXXX XXXX standards. Demand permanent deletion. 

Unauthorized Inquiries XXXX  - XX/XX/year> Unauthorized and unverifiable. You failed to produce permissible purpose under FCRA 604. Permanently delete this inquiry. 

XXXX XXXX - XX/XX/year> Unauthorized and unverifiable. No permissible purpose under FCRA 604. Permanently delete this inquiry. 

Personal Information Incorrect Names XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inaccurate. Delete from my credit report immediately. 

Incorrect Addresses XXXX XXXX XXXX XXXXXXXX ( all versions ) ; XXXX XXXX XXXXXXXX XXXX XXXX all versions ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. All inaccurate. Delete immediately. 

Employers XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX All inaccurate. Delete immediately. 

You are now on formal notice. Continued reporting of these unverifiable and inaccurate items constitutes willful noncompliance and opens the door for civil action under FCRA 616 and 617.

I expect full compliance and written confirmation of permanent deletions and corrections within 15 days.

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