Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX -Equifax Information Services, LLC -TransUnion -Experian Subject : Formal Dispute & Demand for Deletion or Correction of Inaccurate and Obsolete Information under 15 U.S.C. 1681i Dear Equifax Compliance Department, This correspondence constitutes a formal and legally cognizable dispute of multiple entries and personal identifiers presently appearing on my consumer file, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act, and Metro 2 Compliance Guidelines. 
I. Personal Identifiers Disputed Pursuant to 15 U.S.C. 1681g ( a ) and 1681s-2 ( b ), I demand immediate deletion or correction of the following personal identifiers which are inaccurate, outdated, or not authorized by me : Former Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Former Phone Numbers : XXXX Employment Information : None on file remove all employers as all unauthorized entries are to be removed. 
Legal Basis : Reporting obsolete or inaccurate identifying information constitutes a violation of 15 U.S.C. 1681c ( a ) ( 4 ) and 1681e ( b ). The bureau has a duty to maintain maximum possible accuracy. 
II. Negative and Erroneous Account Information Disputed The following accounts are either inaccurate, incomplete, unverifiable, or not legally enforceable. I demand deletion or immediate correction to Pays as Agreed in full compliance with Metro 2 and 15 U.S.C. 1681i : Creditor Name Account Number Balance Status Requested Action XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX {$690.00} Collection/Charge DELETE Unverifiable Creditor Name Account Number Balance Status Requested Action XXXX XXXX XXXX XXXX {$140.00} Charge Off DELETE Unverifiable XXXX XXXX XXXX  XXXX {$440.00} XXXX Late Update to Pays as Agreed XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$530.00} Charge Off DELETE or Update to Pays as Agreed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} Collection DELETE Unverified Legal Basis : 15 U.S.C. 1681s-2 ( b ) : Data furnishers must conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable. 
15 U.S.C. 1681i ( a ) : CRAs must reinvestigate disputed information within 30 days.

15 U.S.C. 1681c : Prohibition on reporting obsolete information. 
Metro 2 6.2.3 : Late payments must be accurate and supported by original records. Any lack of verifiable proof requires reclassification or removal. 
III. Inquiries Disputed I dispute any unauthorized soft or hard inquiries that were made without permissible purpose under 15 U.S.C. 1681b. If no permissible purpose is substantiated, these must be removed immediately. 
IV. Affirmative Demand for Full Reinvestigation & Certification Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to : 1. 2. 3. 4. Conduct a reasonable reinvestigation of each disputed item. 
Provide written certification of deletion or correction within 30 days. 
Provide the name, address, and telephone number of each furnisher contacted. 
Permanently delete any data that can not be verified. 
Failure to comply will constitute willful non-compliance under 15 U.S.C. 1681n, subjecting your agency and data furnishers to statutory damages, actual damages, punitive damages, and attorneys fees. 
V. Notice of Preservation of Rights This letter serves as formal notice that I reserve all rights under applicable federal and state law. 
This includes the right to file civil action pursuant to 15 U.S.C. 1681n and 1681o for negligent or willful non-compliance. 
I demand that each account listed either be deleted entirely or updated to reflect Pays as Agreed / Never Late. All inaccurate personal data must be permanently removed. Please send confirmation of your actions within 30 calendar days from receipt of this letter. 
Sincerely, XXXX XXXX Enclosures : Copy of Identification ( Drivers License/State ID ) Copy of Proof of Address Copy of Report Highlighting Disputed Items

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