Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my Social Security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC report, which is enclosed with this correspondence.

In accordance with 15 U.S.C. 1681c-2 ( c ) ( a ), it is imperative that immediate action be taken to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am demanding that you immediately DELETE the false late payment you are reporting for XX/XX/year> on my XXXX  XXXX account ending in XXXX. Your continued publication of this blatantly false derogatory, even after my previous disputes, is willful noncompliance with the Fair Credit Reporting Act, including 602 ( a ), 609, 611, and 623 for failing to provide maximum possible accuracy, and 1681i for failing to conduct a lawful reinvestigation. Metro 2 reporting standards require payment history, account status, and delinquency fields to align, yet you allow this fabrication that proves the data can not be verified. The recent National Public Data Breach only further discredits your ability to safeguard and verify consumer information.

Any reliance on unverifiable third-party databases or automated responses as verification is unacceptable and reckless. You are knowingly damaging my creditworthiness with false, inaccurate, and unverifiable reporting. I am not requesting a correction. I am demanding permanent DELETE of this accounts false derogatory reporting. If you can not provide verifiable documentary evidence proving the legitimacy of this alleged delinquency, you must DELETE this account entirely from my credit file. Continued reporting after notice of dispute confirms willful violations of the FCRA and consumer protection law, and I will hold you accountable for every day this damaging and unverifiable data remains. Do you understand that every unlawful day this account reports drags my score and my consumer reputation down? That is exactly why I am demanding permanent DELETE, not an update or a notation. Either comply now or face consequences for continued willful violations. 

XXXX XXXX XXXX XXXX XXXX XXXX  I am demanding that you immediately and aggressively DELETE the false XXXX and XXXX late payments you are reporting on my XXXX  account ending in XXXX. Verified corrections have already acknowledged the inaccuracy and permanently DELETED these false derogatories, which leaves absolutely no legal or factual basis for continued publication of fabricated data. Your refusal to delete in line with verified corrections proves willful noncompliance with FCRA 602 ( a ), 609, 611, and 623, and shows reckless disregard for Metro 2 standards requiring accuracy, consistency, and alignment across all reporting fields. By knowingly publishing false derogatories while other sources have DELETED them, you are intentionally misrepresenting my credit history and causing ongoing, unlawful damage to my consumer reputation. 

This is not a correction requestit is a demand for permanent DELETE of this entire derogatory reporting. The National Public Data Breach further obliterates any credibility in your so-called verification process. Reliance on unverifiable third-party databases or automated e-OSCAR responses is unacceptable and does not satisfy the laws requirement for maximum possible accuracy. If you can not produce signed, dated, verifiable documentation of the alleged delinquency, you must DELETE. I am demanding aggressive, immediate, and permanent DELETE of this accounts derogatory reporting. Continued refusal to do the same is reckless, unlawful, and I will hold you fully accountable for every single day this unverifiable and fabricated data remains on file. 

Incorrect Name XXXX XXXX XXXX I am demanding aggressive and immediate DELETE of the incorrect name XXXX XXXX XXXX from my credit file. This name is not mine, is inaccurate, and has no lawful basis to be reported. Your continued publication of this false identifier is reckless, unverifiable, and a direct violation of the Fair Credit Reporting Act 602 ( a ), 609, and 611, which require maximum possible accuracy in consumer reporting. By allowing multiple versions of my name to remain on file, you are exposing my credit profile to mixed files, identity confusion, and improper account associations. This is not an oversightit is willful negligence and failure to comply with Metro 2 reporting standards that require accurate, uniform personal identifiers. I am not requesting an update or notation. I demand permanent DELETE of the false name XXXX XXXX XXXX immediately. The only accurate identifiers tied to my credit profile are the ones I have already verified. Anything else must be permanently purged. Your refusal to DELETE will confirm continued violations of the FCRA, and I will hold you fully accountable for every single day this fabricated name remains on file. Comply now and DELETE this inaccurate personal information without delay. 

Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am demanding aggressive and immediate DELETE of this inaccurate address from my credit file. Verified sources have already permanently DELETED XXXX XXXX XXXX XXXX XXXX XXXX, yet this false and unverifiable information continues to be published. By refusing to delete in line with validated corrections, you are in direct violation of the Fair Credit Reporting Act 602 ( a ), 609, and 611, as well as Metro 2 compliance standards requiring consistency and maximum possible accuracy across all consumer files. This address is not mine, has no verifiable connection to me, and its continued reporting directly damages the integrity of my credit profile. Retaining false addresses opens the door to mixed files, identity errors, and inaccurate account linking, all of which constitute reckless disregard of consumer protection laws. I am not requesting a correction or notation. I demand permanent DELETE of this false address. Every single day you fail to DELETE proves willful noncompliance and negligent harm, for which I will hold you fully accountable. Comply with the law and DELETE this incorrect address immediately. 

I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C. 1692k.

Defamation of Character Negligent Enhancement of Identity Fraud
Violation of the Fair Credit Reporting Act Violation under 15 U.S.C. 1681o Civil liability for negligent noncompliance Violation under 15 U.S.C. 1681n ( b ) Civil liability for willful noncompliance Failing to comply with 15 U.S.C. 1692g Violation under 15 U.S.C. 1681b Permissible purposes of consumer reports Under 15 U.S.C. 1681i ( 7 ) Method of verification Violations under 15 U.S.C. 1681a ( 4 ) Right to privacy Violations under 15 U.S.C. 1681c Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue

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