Consumer complaint received 2025-10-08 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 the permanent deletion of the following accounts from my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ) 1681i, 1681e ( b ), and Metro 2 compliance standards. Your repeated failure to correct or delete these accounts despite prior disputes constitutes willful noncompliance and reckless disregard of consumer protection laws. 

XXXX XXXX - XXXX I am demanding immediate action regarding this XXXX  XXXX account. I have disputed this several times, yet you continue to publish false, misleading, and unverifiable late payment notations. This is a direct violation of FCRA 1681i for failure to conduct a reasonable investigation, FCRA 1681e ( b ) for knowingly reporting inaccurate data, and Metro 2 compliance standards that prohibit the reporting of contradictory or incomplete information. 

Your continued reporting of these derogatory late payments without verified documentation is willful noncompliance and reckless disregard for federal law. Each time you verify without proof, you violate my consumer rights and knowingly damage my creditworthiness. You are required to ensure maximum possible accuracy, yet you have failed to do so. 

I am demanding that you permanently DELETE the inaccurate late payment remarks and immediately update this account to reflect Pays as Agreed. If you can not provide proper proof that meets Metro 2 and FCRA standards, then you must permanently DELETE the entire account for failure to comply with federal law. I refuse to accept repeated rubber-stamp verifications that do not meet the standard of a reasonable investigation. Failure to correct this will be considered intentional harm to my credit standing and a violation of my rights under federal law. 

Incorrect Date of Birth - XX/XX/XXXX This is my final warning before I escalate this legally. You are deliberately failing to correct inaccurate personal information, violating 15 U.S. Code 1681s-2. This is a blatant FCRA violation, and I am fully prepared to take legal action. You have 5 days to remove all false personal data, or I will proceed with formal complaints and legal action. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This is my final warning before I escalate this legally. You are deliberately failing to correct inaccurate personal information, violating 15 U.S. Code 1681s-2. This is a blatant FCRA violation, and I am fully prepared to take legal action. You have 5 days to remove all false personal data, or I will proceed with formal complaints and legal action. 

If you fail to permanently delete these items, I will escalate this matter with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for your willful noncompliance and negligent harm to my creditworthiness. 

You have no lawful basis to continue publishing unverifiable, false, and inconsistent data. Under FCRA 611, you are required to delete this information. I expect full compliance within the time allowed by law. 

XXXX XXXX XXXX- XXXX I am demanding that this XXXX XXXX XXXX account be permanently deleted from my Experian and TransUnion credit reports. This account has already been deleted from Equifax due to lack of verifiability, which proves you do not have lawful documentation to continue reporting it. Yet you are still publishing this derogatory information, which is a direct violation of FCRA 1681i and 1681e ( b ).

Your reporting is inconsistent across bureaus, violating Metro 2 compliance standards requiring uniform and accurate reporting. You can not verify an account with one bureau while deleting it from another. Such contradictions clearly show the data is unverifiable and misleading. Continuing to report this false account is reckless, negligent, and willful noncompliance with federal law. 

This account provides no positive impact on my credit profile, and its presence only serves to damage my creditworthiness. Under FCRA 611, unverifiable information must be permanently deleted. I demand that you immediately DELETE this account entirely from Experian and TransUnion. Any further refusal to delete will be treated as intentional harm and unlawful reporting. 

XXXX XXXX XXXX XXXX - XXXX I am demanding the immediate and permanent deletion of this XXXX XXXX XXXX XXXX account from my Experian report. This account has already been deleted from the other credit bureaus for lack of verifiability, yet you continue to publish false and misleading information in violation of FCRA 1681i and 1681e ( b ).

Your reporting is inconsistent across the bureaus, which is a direct breach of Metro 2 compliance requiring uniform accuracy. The fact that this account was deleted elsewhere proves you can not properly verify or document it. By continuing to report it on Experian alone, you are knowingly publishing unverifiable and damaging information, which constitutes willful noncompliance and reckless disregard for consumer protection laws. 

This account has been deemed unverifiable and must be permanently DELETED from Experian. You can not lawfully re-age or selectively report a charge-off that no longer exists across all credit files. FCRA 611 requires you to delete unverifiable information, and your refusal to do so demonstrates gross negligence. I am not asking for another investigation or correction. I am demanding full and immediate permanent deletion of this account from Experian, as you have no legal right to continue reporting it. 

Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each of the above inquiries is a direct violation of 15 U.S. Code 1681b, which strictly limits access to my credit file. I did not apply for credit or give written consent for these inquiries. Providing my report without my authorization is illegal.

If you can not provide a signed, legally admissible authorization, you must remove each inquiry immediately. Failure to comply will result in formal complaints to the CFPB, FTC, and legal action for willful noncompliance. DELETE NOW. 

Incorrect Personal Information Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is my final warning before I escalate this legally. You are deliberately failing to correct inaccurate personal information, violating 15 U.S. Code 1681s-2. This is a blatant FCRA violation, and I am fully prepared to take legal action. You have 5 days to remove all false personal data, or I will proceed with formal complaints and legal action. 

The bureaus continued rubber-stamp verifications, inconsistent reporting across credit agencies, and failure to remove unverifiable data demonstrate willful noncompliance and reckless disregard for federal law and consumer rights. Their actions ( and inactions ) are unlawful, negligent, and harmful, particularly given my Equifax Data Breach status, which heightens the risk of ongoing data inaccuracy and identity misuse.

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