Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
This is a formal demand for the immediate investigation and permanent deletion of all inaccurate, unverifiable, and non-compliant information appearing on my credit report. Upon review, I have identified numerous accounts, collections, inquiries, and personal information items that fail to meet the mandatory requirements set forth under Federal and State Law. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Metro 2 Compliance Guidelines, and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), you are required to maintain 100 % accurate, verifiable, and fully substantiated information when reporting consumer data. Any failure to do so constitutes willful noncompliance and places me at significant financial harm. 

At this time, you have not provided me with any physical documentation or legally sufficient evidence that proves the validity, accuracy, or permissibility of the reported information. Specifically : ACCOUNTS BEING CHALLENGED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PERSONAL INFORMATION BEING CHALLENGED : Incorrect Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Previous Address : XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, TX XXXX Employer : XXXX Incorrect DOB : XXXX You are hereby being placed on notice : You have no signed contracts or permissible purpose ( FCRA 1681b ) to validate these inquiries and reported accounts. 

You have failed to provide certified Metro 2 compliant documentation proving accuracy, completeness, and timely reporting. 

Continued reporting without full validation is considered willful noncompliance ( FCRA 1681n ) and negligent noncompliance ( FCRA 1681o ), subject to statutory and punitive damages. 

Furthermore, any continued reporting of unverifiable, outdated, or inaccurate information will be viewed as harassment, intentional defamation, and potentially criminal behavior under applicable state and federal consumer protection laws. This includes but is not limited to extortion, willful injury to creditworthiness, and deceptive business practices. 

You are hereby granted 20 days from receipt of this notice to : Permanently DELETE the disputed accounts, inquiries, collections, and personal information. 

Provide full physical copies of all certified documents proving legal ownership, permissible purpose, original creditor agreements, chain of custody, and Metro 2 compliance.

Issue me an updated hard copy of my corrected consumer credit report. 

Failure to comply will leave me no option but to pursue legal remedies through the CFPB, FTC, Attorney General, and civil litigation for full damages. 

Your immediate compliance is expected.

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