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 demanding immediate DELETION of the following false, conflicting, and unverifiable items from my credit file. You failed to correct these errors after my previous dispute. This is willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 616.

If you can not fully verify each item with documented proof in Metro 2compliant format, you must DELETE them permanently. 

Accounts in Dispute XXXX XXXX XXXX XXXX You are willfully reporting contradictory and unverifiable data in violation of FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). The account status, balance, past-due amounts, and payment history conflict across bureaus and do not meet Metro 2 standards. This is clear willful non-compliance under 616. I demand you DELETE this account permanently. If you can not verify every field with complete Metro 2 compliance, you must DELETE immediately. 

XXXX XXXXXXXX XXXX XXXX You continue to report false, conflicting, and unverifiable data in violation of FCRA 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), and Metro 2 standards. The account status, balance, and payment history do not align across bureaus and fail to meet the requirements of accurate reporting. This is willful non-compliance under 616. I demand you DELETE this account permanently from my credit file. If you can not provide full Metro 2compliant verification of every field, you must DELETE immediately. 

XXXX XXXXXXXX XXXX XXXX  You are reporting false, conflicting, and unverifiable information in violation of FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). The account status, past-due amounts, and payment history are inconsistent across bureaus and not Metro 2 compliant. This is willful non-compliance under 616. I demand you DELETE this account permanently. If you can not validate each field with complete Metro 2 compliance, DELETE immediately. 

XXXX XXXXXXXX XXXX XXXX  You are willfully reporting false and contradictory information in violation of FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). The payment history, account status, balance, and past-due amounts do not match across bureaus and fail Metro 2 standards. This is willful non-compliance under 616. I demand you DELETE this account permanently. If you can not verify each field with complete Metro 2 compliance, you must DELETE immediately. 

Inquiries in Dispute XXXX XXXX XX/XX/year> This inquiry was not authorized by me and violates FCRA XXXX. DELETE immediately for lack of permissible purpose. 

XXXX XXXX XXXX XXXX XX/XX/year> I never authorized this inquiry. It is unauthorized, unverifiable, and must be permanently DELETED under FCRA 604. 

XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> This inquiry was not authorized by me and is reported in error. DELETE permanently for lack of permissible purpose under FCRA 604. 

XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> I never approved this inquiry. Reporting it is willful non-compliance with FCRA 604. DELETE permanently. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry is unauthorized and unverifiable. No permissible purpose exists. DELETE permanently under FCRA 604. 

XXXX XXXX XXXX XXXX XX/XX/year> This inquiry was added without my consent or authorization. It is unverifiable and must be permanently DELETED under FCRA 604. 

XXXX XXXX XXXX XX/XX/year> This inquiry was not authorized by me and violates FCRA 604. I demand it be DELETED permanently. 

XXXX XXXX XXXX XXXXXX/XX/year> No permissible purpose exists for this inquiry. It is willful non-compliance with FCRA XXXX and must be permanently DELETED. 

XXXX XXXX XXXX XXXXXX/XX/year> I never granted authorization for this inquiry. It is unauthorized and unverifiable. DELETE permanently under FCRA 604. 

Incorrect Addresses XXXX XXXX XXXX XXXX, XXXX, AZ XXXX This address is inaccurate and not mine. Reporting false personal information violates FCRA 609 ( a ). DELETE permanently. 

XXXX XXXX XXXX XXXX, XXXX, AZ XXXX This address is false and never associated with me. DELETE permanently for failure to maintain accurate identifying information under FCRA 609 ( a ). 

XXXX XXXX XXXX XXXX, XXXX, AZ XXXX This address is inaccurate and not mine. Reporting false personal information violates FCRA 609 ( a ). DELETE permanently.

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