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:
This is my fourth formal dispute regarding the continued reporting of false and inaccurate derogatory information on my credit file. I am exercising my rights under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX et seq. ), demanding immediate correction or deletion. Your failure to correct these errors after multiple disputes demonstrates willful noncompliance and reckless disregard of my rights under federal law. 

HD CREDIT XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am beyond frustrated that despite multiple disputes, this account continues to report inaccurate derogatory remarks. The account has a {$0.00} balance, is paid and closed, yet you are willfully reporting false late payment notations. This is a blatant violation of FCRA XXXX ( b ) and XXXX, which require maximum possible accuracy, as well as XXXX XXXX compliance guidelines that prohibit knowingly reporting incomplete or misleading data. 

You have already had ample opportunity to correct this error. Your continued verification of false late payments constitutes reckless disregard of my rights under FCRA XXXX and XXXX. I demand the immediate and permanent deletion of all late payment notations and an update of this tradeline to reflect Paid as agreed/ Pays as agreed. 

If you can not fully verify each late remark with documented proof that meets FCRA standards, then the inaccurate information must be permanently deleted without delay. 

XXXX XXXX XX/XX/XXXX : This unauthorized inquiry violates XXXX U.S.C. XXXX, which strictly governs access to my credit file. You had no permissible purpose. I never gave written consent. You broke federal law. DELETE this inquiry immediately or face legal action for illegally accessing my personal data. 

XXXX XXXX XX/XX/XXXX : This unauthorized inquiry violates XXXX U.S.C. XXXX, which strictly governs access to my credit file. You had no permissible purpose. I never gave written consent. You broke federal law. DELETE this inquiry immediately or face legal action for illegally accessing my personal data. 

XXXX XXXX XX/XX/XXXX : This unauthorized inquiry violates XXXX U.S.C. XXXX, which strictly governs access to my credit file. You had no permissible purpose. I never gave written consent. You broke federal law. DELETE this inquiry immediately or face legal action for illegally accessing my personal data. 

Incorrect Personal Information : Incorrect XXXX XX/XX/XXXX : I do NOT want any name, address, XXXX, or date of birth other than what I 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 the legal right to retain such information. 

Incorrect Address XXXX XXXX de XXXX XXXX, XXXX  XXXX, XXXX, NV XXXX : I do NOT want any name, address, XXXX, or date of birth other than what I 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 the legal right to retain such information. 

Incorrect Address XXXX XXXX XXXX XXXX XXXX, CA XXXX : I do NOT want any name, address, XXXX, or date of birth other than what I 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 the legal right to retain such information. 

Incorrect Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX : I do NOT want any name, address, XXXX, or date of birth other than what I 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 the legal right to retain such information. 

XXXX XXXX of XXXX : I do NOT want any name, address, XXXX, or date of birth other than what I 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 the legal right to retain such information. 

Employer XXXX XXXX Nevada DE : I do NOT want any name, address, XXXX, or date of birth other than what I 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 the legal right to retain such information. 

Despite multiple disputes and clear documentation, the credit bureau has continued to ignore its statutory obligations, verify false information, and retain inaccurate datacausing me ongoing harm, distress, and reputational damage.

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