Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the inaccurate and unverifiable information currently reported in my credit file. Upon careful review, I have identified multiple items that are incomplete, outdated, and in direct violation of your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), 15 U.S.C. 1681i ( a ), and Metro 2 compliance standards mandated by the XXXX XXXX XXXX XXXX ( XXXX ). 

UNAUTHORIZED REPORTING OF PERSONAL INFORMATION I demand the immediate deletion of any and all employers, phone numbers, or personal identifiers that you are currently reporting that are either outdated, inaccurate, or unverifiable. I do not consent to your retention or reporting of such information without my authorization and without verifiable, accurate documentation proving its validity. Any failure to delete outdated or unverifiable personal data constitutes willful noncompliance under FCRA 1681n and 1681o.

UNVERIFIED ACCOUNTS BEING DISPUTED I further dispute the following accounts due to your failure to meet the accuracy and completeness standards required under XXXX XXXX reporting guidelines and the FCRA : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX You are required to provide a full investigation supported by tangible documentation that verifies the accuracy, ownership, and legal reporting authority for each of these accounts. If you can not fully verify these accounts with proper documentation, you are obligated to DELETE these accounts from my credit file immediately. 

LEGAL COMPLIANCE FAILURE Your current reporting practices demonstrate serious deficiencies and deviations from federal requirements. Any deviation from XXXX XXXX data standards directly undermines the integrity of your reporting system and constitutes a violation of my consumer rights. The XXXX ( XXXX XXXX XXXX XXXX ) clearly states : ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. 

I remind you that continued reporting of unverifiable or inaccurate information after receipt of this dispute may be considered willful noncompliance and subject to statutory damages, actual damages, and legal action under FCRA 616 and 617.

REQUIRED ACTIONS Conduct a thorough reinvestigation as required under FCRA 1681i.

DELETE any unverifiable, inaccurate, outdated, or incomplete information.

CEASE reporting any employers, phone numbers, or personal data not fully verified.

Provide me with a full written response and updated copy of my credit report reflecting these corrections.

You are obligated to complete this investigation and respond to me in writing within 30 days as mandated under federal law. Failure to comply will result in my pursuit of all available legal remedies.

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