Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
I am demanding a full investigation and the permanent deletion of the following accounts from my credit file. 
These accounts are reported with inconsistencies, contradictions, and unverifiable data in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. I will not accept corrections or updatesonly permanent deletion.

Additionally, due to the Equifax Data Breach, my personal information has been compromised, making your continued reporting of unverifiable and inaccurate accounts even more reckless and harmful. You have no legal basis to continue furnishing data that can not be proven accurate. 

XXXX  XXXX I demand that this account be permanently deleted from my credit report. I have disputed this multiple times, and your refusal to correct or delete the inaccurate reporting is a willful violation of the Fair Credit Reporting Act, 15 U.S.C. 1681i.

Equifax has already deleted this account, proving the information was unverifiable. Experian and TransUnion continue to report false derogatory remarks, which shows clear noncompliance. 
If you can not provide original signed contracts and complete payment records proving these alleged late payments are accurate and lawfully reported, you must delete the account permanently. Any derogatory remark left on my report is a direct violation of my rights. 
I demand immediate deletion of this account from Experian and TransUnion. Anything less will not be tolerated. 

XXXX XXXX XXXXXXXX I demand that this account be permanently deleted from my credit report. I have disputed this account multiple times, and your continued refusal to correct or delete the inaccurate information is a willful violation of the Fair Credit Reporting Act, 15 U.S.C. 1681i. 
Equifax has already deleted this account, which proves the information can not be verified. Experian and TransUnion continue to report false derogatory remarks, which is a direct violation of Metro 2 standards requiring uniform and accurate reporting.

If you can not provide original signed contracts and full payment records proving the accuracy of every remark, then you are required by law to permanently delete this account. Any late payment notation or derogatory remark that remains is unlawful and constitutes ongoing harm. 
I demand immediate deletion of this account from Experian and TransUnion. Anything less will not be accepted. 

XXXX XXXX XXXX I demand immediate correction of this open account. Equifax already shows it as open with no derogatory remarks, which is accurate, while Experian and TransUnion continue to misreport the account with late payment notations and a closed status. 
This is inconsistent, inaccurate, and a clear violation of the Fair Credit Reporting Act and Metro 2 reporting standards, which require uniform and verifiable reporting across all bureaus. 
This is an active account, and late payment notations harm my credit standing unfairly since the account has been brought current and is being paid. If you can not validate each remark with complete source documentation, those remarks must be deleted. 
The account should be updated to show Open/ Paid as Agreed across all bureaus. If you can not provide validation, the entire account must be permanently deleted. 
I demand that all inaccurate late payment remarks and the false closed status be removed, and the account be reported consistently as open and paid as agreed. Anything less is continued willful noncompliance. 

XXXX XXXX XXXX XXXXXXXX I demand immediate correction of this account. Equifax has already deleted the reporting, which confirms the information was unverifiable, yet Experian and TransUnion continue to misreport this account with late payment remarks. 
These derogatory remarks are false, inconsistent, and a direct violation of the Fair Credit Reporting Act and Metro 2 compliance standards requiring uniform, accurate, and verifiable reporting. 
This account is paid and closed with no outstanding balance. The continued reporting of a 30-day late notation is not supported by any verifiable records and is damaging my credit profile. 
If you can not provide the full original signed contract and complete payment history proving those alleged late payments are valid, the remarks must be deleted. 
I demand that all late payment notations be permanently removed and the account be corrected to show Paid/Closed with no derogatory history. Anything less is willful noncompliance and unlawful reporting. 

XXXX XXXX I demand that this account be permanently deleted from my credit report. Equifax has already deleted the reporting, confirming that the information was not verifiable. 
Yet Experian and TransUnion continue to misreport the account with late payment notations and charge-off remarks. This conflicting reporting is inaccurate and violates the Fair Credit Reporting Act, 15 U.S.C. 1681i, along with Metro 2 compliance standards requiring accuracy, consistency, and completeness across all bureaus. 
The account shows zero balance and no past due amount, which directly contradicts the derogatory charge-off status still being reported.

If you can not produce the original signed agreement along with complete payment records that validate every late payment and the charge-off status, then these remarks must be permanently deleted. 
I demand immediate deletion of all derogatory remarks tied to this account, or complete deletion of the account itself from Experian and TransUnion. The account must be corrected to reflect Paid/Closed with no negative history. Anything less is unlawful willful noncompliance. 

XXXX XXXXXXXX I demand that this account be permanently deleted from my credit report. Equifax has already deleted it, proving that the information can not be verified, yet Experian and TransUnion continue to misreport it with charge-off remarks and negative notations.

This conflicting and inaccurate reporting violates the Fair Credit Reporting Act, 15 U.S.C. 1681i, and Metro 2 compliance standards that require consistent, accurate, and verifiable reporting across all credit bureaus. 
The account reflects a zero balance and no past due, yet Experian and TransUnion still show derogatory charge-off statuses. This contradiction alone proves that the data is unreliable and unverifiable. 
If you can not provide the original signed agreement along with a complete, itemized payment history proving these negative remarks are valid, you must delete the account. 
I demand immediate deletion of this account from Experian and TransUnion. Continuing to report unverifiable derogatory remarks is unlawful, willful noncompliance, and will not be tolerated. 

XXXX XXXX I demand that this account be permanently deleted from my credit report. Equifax has already deleted the account, proving the data could not be verified, yet Experian and TransUnion continue to report it with Collection/Charge-off remarks and contradictory statuses. 
This inconsistency alone violates the Fair Credit Reporting Act, 15 U.S.C. 1681i, and Metro 2 reporting requirements mandating accuracy and uniformity across all credit bureaus. 
You are reporting this account with serious derogatory remarks such as purchased by another lender and charged off as bad debt, yet you can not provide verifiable documentation that proves these claims. 
If you can not supply the original signed agreement and a full payment history establishing the accuracy of these negative remarks, then the account must be permanently deleted. 
I demand immediate deletion of this account from Experian and TransUnion. Anything less than full deletion is willful noncompliance and unlawful reporting. 

XXXX XXXX XXXXXXXX I demand that this account be permanently deleted from my credit report. Equifax and TransUnion are not even reporting this account, while Experian alone continues to misreport it with a Collection/Charge-off status and false derogatory remarks. 
This is inconsistent, unverifiable, and a direct violation of the Fair Credit Reporting Act, 15 U.S.C. 1681i, as well as Metro 2 standards requiring accuracy and uniformity across all credit bureaus. 
If you can not provide the original signed agreement and a complete payment history proving the accuracy of every reported late payment and the alleged charge-off, the account must be permanently deleted. 
Experians reporting alonewhile the other bureaus do not carry the same datais further proof that the information is unreliable and harmful. 
I demand immediate deletion of this account from Experian. If you can not meet strict validation requirements under federal law, you have no legal right to continue reporting this account. 

XXXX XXXX XXXX XX/XX/XXXX I demand that this inquiry be permanently deleted from my credit report. This was not authorized by me and therefore constitutes an impermissible pull of my credit file in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681b. 
TransUnion is the only bureau reporting this inquiry, which further proves it is inconsistent and unverifiable. 
If you can not provide documented proof with my signed authorization for this inquiry, you have no legal right to continue reporting it. Leaving it on my report is willful noncompliance and continued damage to my credit standing. 
I demand immediate deletion of this unauthorized inquiry from TransUnion. Anything less will not be accepted. 

Incorrect Personal Information Incorrect Name : XXXX XXXX Incorrect DOB : XX/XX/XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Employers : XXXX XXXX XXXX XXXX XXXXXXXX I do NOT want any name, address, SSN, or date of birth other than what I have listed in this letter to be retained or reported. 
Please delete any other personal information that infringes on my consumer rights or provide evidentiary proof of your legal right to retain such information. 

As an Equifax Data Breachimpacted consumer, my personal information has already been compromised. Continuing to publish unverifiable and inconsistent data under these circumstances is especially reckless and harmful. The bureaus have failed to meet their legal obligation to verify accuracy and uniformity across all files, thereby causing ongoing damage to my creditworthiness, financial opportunities, and peace of mind. 

Despite repeated disputes, no bureau has provided original signed contracts, complete payment histories, or any verifiable documentation supporting the accuracy of the reported derogatory information. This failure to validate and the ongoing reappearance of deleted items are proof of systemic noncompliance with federal law.

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