Consumer complaint received 2025-10-09 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:
I am demanding the permanent deletion of the following inaccurate, unverifiable, and non-compliant accounts from my Equifax credit file. This is not a request for another reinvestigation ; it is a demand under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611 ( a ) for full compliance with the law. Equifax has already failed to correct these items after prior disputes, which constitutes willful non-compliance. 

XXXX XXXX XXXX XXXXXXXX I am demanding permanent deletion of this XXXX XXXX  account from my Equifax file . You are the only bureau reporting this account, which is clear evidence of inaccurate and inconsistent reporting in violation of FCRA 607 ( b ) and 611 ( a ). If the account were valid, all bureaus would be reporting the same data. 
This account is unverifiable, reported negatively without proper validation, and continues to harm my credit profile. The Metro 2 Compliance Standards require accuracy and uniformity across bureaus, yet Equifax alone is reporting it. Unless you can provide full validation from the original creditor, you must immediately and permanently DELETE this account. Continued reporting is willful non-compliance and unlawful. 

XXXX XXXX XXXX XXXXXXXX I am demanding permanent deletion of this XXXX XXXX  account from my Equifax file . Once again, Equifax is the only bureau reporting this account, proving it is inaccurate, incomplete, and unverifiable in violation of FCRA 607 ( b ) and 611 ( a ). 
Reporting a collection without uniform data across bureaus and without original creditor validation is reckless and unlawful. The account shows false derogatory remarks that can not be verified under Metro 2 Compliance Standards. If you can not provide full, documented proof from the original creditor, you must immediately and permanently DELETE this account. Equifaxs repeated willful non-compliance after multiple disputes is unacceptable and will not be tolerated. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am demanding permanent deletion of this XXXX XXXXXXXX XXXX account from my Equifax file. You continue to report false derogatory remarks as a charge-off, even though this account was closed years ago and no longer has a balance. 
This is willful non-compliance with FCRA 607 ( b ) and 611 ( a ), as well as a direct violation of Metro 2 reporting standards that require accurate and complete data. Equifax is reporting inconsistent and unverifiable information compared to the other bureaus, which proves you can not validate the accuracy of this account. 
If you can not provide original creditor documentation proving this charge-off is accurate, you must immediately update to Paid as Agreed or permanently DELETE the account. Your repeated failure to correct these errors after multiple disputes is reckless, unlawful, and unacceptable. 

XXXX. XXXX - XXXX I am demanding permanent deletion of this XXXX account from my Equifax file . You continue to report it as a collection/charge-off even though the account was settled and closed years ago.

This is inaccurate, incomplete, and unverifiable, violating FCRA 607 ( b ), 611 ( a ), and Metro 2 reporting standards that require settled accounts to be updated correctly as Paid/Settled. 
Your reporting is inconsistent with other bureaus, which proves you can not validate this derogatory information. If you can not provide documented proof from the original creditor that this charge-off is accurate, you must immediately and permanently DELETE this account. Continuing to publish false derogatories after settlement is reckless, unlawful, and unacceptable. 

XXXX. XXXX XXXX - XX/XX/XXXX This company has requested and obtained a copy of my consumer report without my consent or permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. ( 15 U.S.C. 1681q ) This conduct has violated my privacy, and I am very upset by this privacy invasion. DELETE this from my report immediately. 

XXXX. INCORRECT PERSONAL INFORMATION Incorrect Name - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Per FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than what I listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it.

These ongoing violations have caused repeated harm to my credit reputation, emotional distress, and invasion of privacy. Equifaxs continued refusal to correct or delete unverifiable data after multiple disputes constitutes willful non-compliance under the FCRA.

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