Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
This is a formal demand for deletion and correction of inaccurate and unverifiable information appearing on my consumer credit report. I assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and demand full compliance with Metro 2 data standards as outlined in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

The information you are currently reporting lacks verified accuracy, proper formatting, and sufficient legal grounds for inclusion. The continued reporting of these false, outdated, or unverifiable accounts, inquiries, and personal information is damaging and unlawful. You are expected to uphold strict reporting integrity under Metro 2 and FCRA compliance. Anything less is a violation of federal law.

I demand you immediately provide the following : Verified documentation with proper chain of custody Proof of permissible purpose for each inquiry Physical evidence validating each accounts accuracy and legal status Metro 2 formatted data substantiating compliance If you can not validate the entries below with legally sufficient and verifiable documentation, you must DELETE them immediately.

PERSONAL INFORMATION TO DELETE : Employer : XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Incorrect Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Incorrect Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXXXXXX XXXX Incorrect DOB : XXXX ACCOUNTS TO DELETE ( UNVERIFIED/INACCURATE ) : DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXXXXXX XXXX XXXXXXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXXXXXX XXXX XXXX XXXX COLLECTIONS TO DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES TO DELETE ( NO PERMISSIBLE PURPOSE ) : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINAL WARNING : You have no legal right to reject disputes submitted via third-party platforms or software. I am the originator of these letters, and any form-letter discrimination is a direct violation of 15 U.S. Code 1681i. Each line item must be treated individually and thoroughly investigated. If you fail to comply or delay my dispute due to automated systems or procedural bias, you will be held liable for damages.

This is your final opportunity to correct these violations. If these accounts, inquiries, and false information are not deleted and corrected within 30 days, I will proceed with legal action and file complaints with the CFPB, FTC, State Attorney General, and relevant legal authorities.

Send me written confirmation of all deletions and an updated copy of my credit report via mail.

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