Consumer complaint received 2025-09-27 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: UT

Complaint narrative:
I am demanding immediate and permanent deletion of the following accounts and inquiries from my credit file. Each item listed below is being reported with false, derogatory, or unverifiable data in direct violation of the Fair Credit Reporting Act ( FCRA ) 1681i and Metro 2 compliance standards. Your repeated failure to correct these errors after prior disputes demonstrates willful noncompliance under 15 U.S.C. 1681n, exposing you to liability. This unlawful reporting has directly impacted my Equifax Data Breach, further compounding the harm caused by your reckless disregard for accuracy. 

XXXX - XXXX I am demanding permanent DELETE of this entire account due to Equifaxs willful noncompliance with FCRA XXXX and 1681e ( b ). You continue to report inaccurate and unverifiable late payments tied to compromised data from the Equifax breach. You failed to validate accuracy or provide lawful verification under Metro 2 compliance. This account is unreliable, unlawfully reported, and must be permanently DELETED immediately. 

XXXX - XX/XX/year> I never authorized this inquiry. You have no documented permissible purpose as required by FCRA 604. Reporting this is unlawful. Permanently DELETE immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry is inaccurate and unverified. I never granted permissible purpose under FCRA 604 ( a ). You failed to validate and continue unlawful reporting. Permanently DELETE this inquiry for willful noncompliance. 

XXXX XXXX XXXX XXXX - XX/XX/year> I did not authorize this inquiry. Reporting this without my written consent violates FCRA 604 ( a ) ( 2 ). This is an unauthorized pull. Permanently DELETE this inquiry from my credit report. 

Incorrect Name - XXXX XXXX XXXX This name is not mine. Reporting inaccurate identifying information violates FCRA 605 ( b ). You failed to verify or correct prior disputes. Permanently DELETE this name from my file. 

Incorrect Address - XXXX XXXX XXXX XXXXXXXX, NY XXXX This address is incorrect and unverifiable. It does not belong to me and violates FCRA 609 ( a ) ( 1 ). You failed to maintain accurate reporting. Permanently DELETE this address. 

Incorrect Address - XXXX XXXX XXXX, XXXX, NY XXXX This address is false and unverifiable. I never resided here. Continued reporting violates FCRA 607 ( b ) and Metro 2 accuracy standards. Permanently DELETE immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX This employer listing is inaccurate. I never reported or verified employment with this entity. Under FCRA 609 ( a ) ( 1 ), you must maintain accurate personal data. Permanently DELETE this entry.

Your repeated mishandling of my disputes, failure to provide lawful verification, and continued reporting of false and unverifiable data shows reckless disregard for my rights. Each item listed above must be permanently DELETED from all of my credit reports immediately. Anything less will be treated as willful noncompliance under the FCRA, and I am fully prepared to escalate this matter further if necessary.

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