Consumer complaint received 2025-11-03 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: NY

Complaint narrative:
I am submitting this formal escalation regarding Equifaxs continued mishandling of my credit disputes in direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting standards. Despite multiple lawful disputes and a prior CFPB complaint filed under case number XXXX, Equifax has failed to perform a reasonable reinvestigation, has misclassified my disputes, and continues to publish inaccurate and unverified data that materially damages my creditworthiness. 

Equifaxs XX/XX/XXXX correspondence demonstrates clear noncompliance. Instead of conducting a reinvestigation under FCRA 1681i ( a ) as required, Equifax wrongfully reclassified my accuracy dispute as an identity theft claim under 605B ( c ) a procedural stall tactic designed to delay lawful correction. This misclassification deprived me of my statutory right to a factual reinvestigation and violated 1681i ( a ) ( 2 ), which mandates that consumer disputes be forwarded accurately and in full to the furnisher of information. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  This account continues to display multiple contradictions across bureaus and violates the accuracy and consistency requirements of the FCRA. 

Equifax lists the account as Paid and Closed with a XXXX balance, yet still reports a 30-day delinquency. 

Experian lists the same account as Transferred and Current while maintaining multiple 30-, 60-, and 90-day lates long after closure. 

Under Metro 2 Exhibit 9, payment history must freeze once an account is paid or transferred. Equifaxs continued reporting of late payments on a closed account directly breaches this requirement. Moreover, Equifax shows the account as disputed while Experian reports dispute resolved, which is an explicit violation of FCRA 623 ( a ) ( 3 ).

Equifaxs response packet ( XXXXf ) further confirms no verification or documentation from the furnisher was ever provided. By continuing to publish these discrepancies without original evidence, Equifax has violated FCRA 1681e ( b ) ( failure to ensure accuracy ), 1681i ( a ) ( failure to conduct a reasonable reinvestigation ), and 623 ( a ) ( 1 ) ( A ) ( furnishing false data after notice of dispute ). 

I am therefore demanding immediate and permanent deletion of the XXXX tradeline from my credit file due to its unverified and contradictory reporting. 

XXXX. XXXX Inquiry XX/XX/XXXX This inquiry remains an unauthorized and unlawful access to my credit file. I never applied for credit with XXXX on or around XX/XX/XXXX, nor did I provide written consent. Under FCRA 1681b ( a ) ( 2 ), no entity may obtain a consumer report without explicit authorization or a valid permissible purpose. Equifax has failed to produce any signed application, authorization form, or record of permissible purpose. 

Equifaxs XX/XX/XXXX response made no mention of this inquiry, confirming that no reinvestigation occurred. Continuing to report this inquiry without documentary proof constitutes violations of FCRA 1681b, 1681i ( a ), and 1681e ( b ). This data is factually false, harms my creditworthiness, and must be immediately deleted.

Legal Summary of Violations FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation within 30 days.

FCRA 1681e ( b ) Failure to ensure maximum possible accuracy of consumer data. 

FCRA 623 ( a ) ( 1 ) - ( 3 ) Furnishing false data and failing to correct or mark the account as disputed.

FCRA 605B ( c ) Misuse of identity theft classification to stall dispute processing.

Metro 2 Exhibit 9 Failure to freeze payment history after account closure.

These violations represent willful noncompliance under FCRA 1681n, exposing the furnisher and bureau to statutory, actual, and punitive damages.

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