Consumer complaint received 2025-09-18 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: NY

Complaint narrative:
I am demanding the immediate and permanent deletion of several fraudulent and unverifiable accounts from my credit profile because your continued reporting of these tradelines violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), and Metro 2 reporting standards. These accountsincluding XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and XXXX ( XXXX ) were opened and reported without my knowledge or authorization and appeared only after my personally identifiable information was compromised in the Equifax and XXXX XXXX Data Breaches. With respect to XXXX, Equifax has already deleted this tradeline, proving it is unverifiable and inaccurate, yet Experian and TransUnion continue to report false and conflicting data regarding limits, balances, payment status, and high-balance fields ; no bureau has produced the original signed credit agreement, billing ledger, payment history, or lawful ownership documentation, and furnishing data without these records violates 15 U.S.C. 1681e ( b ) ; the ongoing coding of this account as Collection/Charge-off with contradictory comments violates Metro 2 Exhibits 4 and 11, while overlapping past-due statuses mislead automated scoring systems, and continuing to report after my data breach exposure increases the risk of fraudulent reporting. Regarding XXXX XXXX XXXX, this is an unauthorized third-party collection for which no original signed contract, billing statements, or legal authorization to collect or report exist ; TransUnion and Experian furnish inconsistent or missing data including Date Opened, Original Creditor, and Compliance Condition Codes ; you verified without producing proof of assignment, ownership, or contract in violation of 1681s-2 ( b ) ; reporting a {$2100.00} balance without lawful verification violates 1681e ( b ) ; the FDCPA ( 1692e and 1692g ) is violated because no validation notice was produced and misleading collection coding is being used ; ECOA portfolio and coding errors damage my credit profile and mislead lenders, and your continued reporting despite breach-related identity compromise shows willful non-compliance. Concerning XXXX, this account is reporting in blatant violation of the FCRA and Metro 2 compliance standards because the data furnished is inconsistent, incomplete, and misleading ( Balance {$150.00}, High Balance {$150.00}, Date Opened XX/XX/year>, and conflicting status codes ) ; no lawful validation, signed contract, billing ledger, or proof of ownership exists ; these inaccuracies violate 1681e ( b ) and 1681i ( a ) ; ECOA and Metro 2 coding errors create discriminatory effects in scoring models ; the failure to use correct Compliance Condition Codes makes the account unverifiable, and reporting without strict documentary validation, despite the breaches, is reckless and unlawful. Reporting these unverifiable tradelines as Collection/Charge-off while failing to remove contradictory comments violates Metro 2 Exhibits 4 , 7, and 11 and misleads automated scoring systems. Your failure to block and delete this identity-theft-related data within four business days of notice ( 1681c-2 ), conduct reasonable reinvestigations ( 1681i ), and maintain maximum possible accuracy ( 1681e ( b ) ) constitutes willful and negligent non-compliance under 1681n and 1681o. You are also in violation of the FDCPA ( 1692e, 1692g ) for reporting debt without validation and the ECOA ( 1691 ) for improper portfolio and compliance coding. I do not accept updated, verified, or meets FCRA responses ; I demand that you permanently delete these accounts from my credit files with Equifax, Experian, and TransUnion. Continued publication of this unverifiable, identity-theft-linked information is reckless, unlawful, and exposes you to statutory and actual damages, attorneys fees, and further action with the CFPB, FTC, and legal counsel.

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