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: TX

Complaint narrative:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA 602A, 604, 609, and 611 ) and Metro 2 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. XXXXMOHELADOFED XXXX This account reports false late payments that violate Metro 2 accuracy and FCRA 602A. My data was compromised in the Equifax breach, making these entries unreliable and unverifiable. You failed to correct prior disputes, showing willful disregard. Delete all negative remarks and update to Paid as Agreed immediately. 

MOHELADOFED XXXX This account reports false late payments that violate Metro 2 accuracy and FCRA 602A. My data was compromised in the Equifax breach, making these entries unreliable and unverifiable. You failed to correct prior disputes, showing willful disregard. Delete all negative remarks and update to Paid as Agreed immediately. 

MOHELADOFED XXXX This account reports false late payments that violate Metro 2 accuracy and FCRA 602A. My data was compromised in the Equifax breach, making these entries unreliable and unverifiable. You failed to correct prior disputes, showing willful disregard. Delete all negative remarks and update to Paid as Agreed immediately. 

MOHELADOFED XXXX This account reports false late payments that violate Metro 2 accuracy and FCRA 602A. My data was compromised in the Equifax breach, making these entries unreliable and unverifiable. You failed to correct prior disputes, showing willful disregard. Delete all negative remarks and update to Paid as Agreed immediately. 

MOHELADOFED XXXX This account reports false late payments that violate Metro 2 accuracy and FCRA 602A. My data was compromised in the Equifax breach, making these entries unreliable and unverifiable. You failed to correct prior disputes, showing willful disregard. Delete all negative remarks and update to Paid as Agreed immediately. 

XXXX XXXX XXXXXXXX This account must be permanently deleted for willful noncompliance and inaccurate reporting. Equifaxs breach invalidates data integrity, violating FCRA 602A and Metro 2. You failed to verify or correct false late paymentsthis is intentional misinformation. Permanently delete this account now. 

XXXX XXXX XXXXXXXX This account must be permanently deleted for willful noncompliance and unverifiable data. Equifaxs breach proves compromised integrity, violating FCRA 602A and Metro 2. You failed to verify or correct after disputesthis is intentional misinformation. Permanently delete this account now. 

XXXX XXXX This account reports false late data in direct violation of Metro 2 and FCRA 602A accuracy rules. XXXX breach invalidates all verification. You ignored prior disputes, proving willful noncompliance. Delete all negative remarks and update to Paid as Agreed immediately. 

XXXX XXXX This account contains false late data violating Metro 2 and FCRA 602A accuracy rules. Equifaxs breach invalidates verification, and prior disputes were ignored. This is willful noncompliance. Delete all negative remarks and update to Paid as Agreed immediately. 

XXXX XXXX This account reports false charge-off data and unverifiable late history, violating Metro 2 accuracy and FCRA 602A. Equifaxs breach voids data integrity. You ignored prior disputesthis is willful noncompliance. Permanently delete this account immediately. 

XXXX XXXX XXXXXXXX This collection is false, unverifiable, and violates Metro 2 and FCRA 602A. Equifaxs breach proves data integrity is compromised. You ignored prior disputesthis is willful noncompliance. Permanently delete this account now. 

XXXX XXXX This account reports false charge-off data and conflicting settlement remarks, violating Metro 2 accuracy and FCRA 602A . Equifaxs breach invalidates verification, and repeated disputes were ignored. This is willful noncompliance. Permanently delete this account now. 

XXXX XXXX XXXX This account shows conflicting charge-off data and unverifiable balance details, violating Metro 2 and FCRA 602A . Equifaxs breach voids data reliability. You ignored prior disputes, proving willful noncompliance. Permanently delete this account immediately. 

XXXX XXXX XXXX This collection is invalid, unverifiable, and reported in bad faith. Equifaxs breach destroyed data integrity, violating FCRA 602A and Metro 2 standards. You failed to verify after prior disputesthis is willful noncompliance. Permanently delete this account immediately. 

Unauthorized InquirieXXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry is unauthorized and unverifiable. You failed to produce permissible purpose under FCRA 604. Permanently delete this inquiry now. 

XXXX XXXX XX/XX/year> This inquiry was reported without my consent or valid authorization, violating FCRA 604. No record supports its legitimacy. Permanently delete this inquiry. 

XXXX XX/XX/year> This inquiry is invalid and unauthorized. You failed to verify permissible purpose. Reporting is willful noncompliance. Permanently delete this inquiry now. 

Incorrect Names XXXX XXXX XXXX This variation is false and misreported. You failed to maintain accurate identifiers under FCRA 602A. Permanently delete this name immediately. 

XXXX XXXX XXXX This name is inaccurate, not associated with me, and unverifiable. Violates FCRA XXXX. Permanently delete this name now. 

Incorrect Addresses XXXX XXXX XXXX Apt XXXX, XXXX XXXX, TX XXXX This address is not mine and can not be verified. XXXX violates FCRA XXXX accuracy rules. Permanently delete this address now. 

XXXX XXXX XXXX XXXX, XXXX, NJ XXXX This address is inaccurate and unverified. Retaining false data violates FCRA XXXX. Permanently delete this address immediately. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX This address is not mine and can not be verified. XXXX violates FCRA XXXX accuracy rules. Permanently delete this address now. 

XXXX XXXX XXXX, XXXX XXXX, TX XXXX This address is inaccurate and unverified. Retaining false data violates FCRA XXXX. Permanently delete this address immediately. 

Incorrect XXXX XXXX I was never employed here. This employer is inaccurate and unverifiable under FCRA 602A. Permanently delete this listing. 

XXXX XXXX XXXX XXXXXXXX This employer information is false and never authorized. It violates data accuracy under FCRA 602A. Permanently delete this item. 

XXXX  This employer information is false and never authorized. It violates data accuracy under FCRA XXXX. Permanently delete this item. 

XXXX XXXX I was never employed here. This employer is inaccurate and unverifiable under FCRA XXXX. Permanently delete this listing. 

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