Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
HOW DO I FELL MY OWN CREDIT PROFILE QUESTIONS THAT TURNS INTO ME BEING DENIED CREDIT OR ANYTHING BECAUSE THESE BUREAUS ARE DOING AND REPORTING WHAT EVER THEY WANT FOR MONEY NOT LISTENING OR DOING ANYTHING IN THE CONSUMERS FAVOR AND IM REALLY TIRED OF IT!!! CFPB CAN YOU GET ALL XXXX OR MORE OF MY COMPLAINTS HANDLED FOR GOOD SO ME AND MY FAMILY CAN LIVE A PRODUCTIVE LIFE! ! Equifax, Experian, TransUnion, XXXX, XXXX Subject : Demand for Better Service, Full Consumer Report Update, and Permanent Removal of Fraudulent/Outdated Information To Whom It May Concern, I am requesting immediate and permanent updates to my consumer profile. Despite multiple disputes and confirmed deletions in the past, I continue to experience serious harm because the same fraudulent, inaccurate, outdated, and previously deleted information is still being displayed to creditors and other institutions when my profile is accessed.

This includes but is not limited to : Collection accounts ( fraudulent and paid/closed ) Late payment accounts ( inaccurate and unverifiable ) Closed accounts that should not be reporting negatively Credit inquiries that were unauthorized or fraudulent Accounts previously removed after disputes that have reappeared Each time my credit report is viewed, creditors see harmful and misleading activity that does not belong on my report. This has caused denials of credit, loans, and financial opportunities, and it violates my rights under the Fair Credit Reporting Act ( FCRA ).

My Demands Under FCRA and FDCPA 1. Immediately delete and permanently suppress all fraudulent, outdated, unverifiable, and previously removed accounts, collections, late payments, and inquiries.

2. Update my file to reflect only accurate and positive information, ensuring that creditors see a true reflection of my financial responsibility.

3. Prevent reinsertions of any deleted items without full compliance with FCRA 611 ( a ) ( 5 ) ( B ), including proper furnisher certification and written notice to me within 5 business days.

4. Ensure maximum possible accuracy as required under FCRA 607 ( b ).

5. Provide a full written update confirming all actions taken and the steps you will implement to prevent this ongoing harm.

I expect better service, accountability, and protection when it comes to my consumer report. The continued reporting of false and harmful data is unacceptable, unlawful, and financially damaging. If this matter is not resolved immediately, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and pursue legal action for damages under FCRA 616617.

Please treat this as an urgent demand for a complete reinvestigation, correction, and permanent suppression of all fraudulent and inaccurate accounts. 

Sincerely, XXXX XXXX XXXX XXXX

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