Consumer complaint received 2025-10-02 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: MD

Complaint narrative:
I am demanding immediate correction or permanent deletion of multiple inaccurate, unverifiable, and misleading items currently being reported by Equifax. You are already under scrutiny because of the Equifax Data Breach and XXXX XXXX XXXX ( XXXX  ) compromise, which proves you can not guarantee the integrity or accuracy of the data you report. This ongoing negligence, combined with willful violations of FCRA 1681e ( b ), 1681i, and Metro 2 compliance, requires urgent action. 

XXXX XXXX XXXX I demand immediate deletion of the false late payment remarks on this open account. Reporting me late is inaccurate, unverifiable, and violates FCRA 1681e ( b ) and Metro 2 compliance standards, which require accurate and consistent reporting. I have never been properly verified as late, and continuing to display these derogatory marks is reckless disregard of my rights. This account must be corrected to Pays as Agreed, or all negative remarks permanently deleted, to ensure full compliance and restore accuracy to my credit file. 

Incorrect Address XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX This address is not mine and was never authorized. Reporting it is inaccurate and must be permanently deleted under FCRA 1681c-2. 

Incorrect Address XXXX XXXX XXXX XXXX, XXXX, MD, XXXX This address is false and unverifiable. It damages the integrity of my file and must be permanently deleted for willful non-compliance with accuracy requirements. 

EMPLOYER XXXX XXXX Incorrect employer reporting violates FCRA 1681e ( b ). This employer must be permanently deleted because it is inaccurate and misleading. 

Your continued reporting of these items without lawful verification is reckless, unlawful, and willful non-compliance. Given the Equifax Data Breach and XXXX compromise, I reject any attempt to recycle unverifiable or corrupted records as validation. 

You have 30 days under FCRA 1681i to complete a proper reinvestigation. If lawful documentation can not be produced, you must permanently delete each disputed item. Failure to comply will result in immediate escalation through the CFPB, FTC, State Attorney General, and potential civil action for damages.

XXXX XXXX XXXX I demand immediate deletion of the false late payment remarks on this open account. Reporting me late is inaccurate, unverifiable, and violates FCRA 1681e ( b ) and Metro 2 compliance standards, which require accurate and consistent reporting. I have never been properly verified as late, and continuing to display these derogatory marks is reckless disregard of my rights. This account must be corrected to Pays as Agreed, or all negative remarks permanently deleted, to ensure full compliance and restore accuracy to my credit file. 

XXXXXXXX XXXX XXXXXX/XX/year> This inquiry is unauthorized, not initiated by me, and reported in violation of FCRA 1681b. Since no permissible purpose exists, this inquiry must be permanently deleted from my credit file. 

Incorrect Name XXXX, XXXXXXXX XXXX  This name is inaccurate, not mine, and falsely associated with my file. It must be permanently deleted under FCRA 1681e ( b ) to prevent identity confusion. 

Incorrect Address XXXX XXXX XXXX, XXXX, NC, XXXX This address is not mine and was never authorized. Reporting it is inaccurate and must be permanently deleted under FCRA 1681c-2. 

Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX This address is false and unverifiable. It damages the integrity of my file and must be permanently deleted for willful non-compliance with accuracy requirements.

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