Consumer complaint received 2025-07-04 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: TN

Complaint narrative:
This is a formal dispute demanding immediate and permanent deletion of inaccurate, unverifiable, and harmful accounts currently being reported on my credit profile. I am a confirmed victim of the Equifax Data Breach and XXXX XXXX XXXX XXXX and my sensitive information continues to be recklessly mishandled by furnishers and reporting agencies.

Under my rights established by FCRA 609 ( a ) ( 1 ), I demand the full verification and legal documentation for each of the accounts listed belowincluding original signed contracts, itemized billing, and proof of permissible purpose to report. 

XXXX XXXX XXXX I am demanding the immediate and permanent DELETE of this account due to multiple, willful violations of the FCRA and Metro XXXX Compliance Reporting Standards. XXXX XXXX is knowingly reporting inaccurate, incomplete, and outdated data that has already been disputed and left unresolved. My data, already compromised in the Equifax and XXXX XXXX XXXX XXXX, has clearly been exploited here. 

You failed to lawfully reinvestigate under FCRA 611 ( a ) ( 1 ) ( A ). You continue to furnish unverifiable and incomplete data in violation of 1681s-2 and 1681e ( b ). No original agreement. No itemization. No chain of ownership. Just conflicting status updates across bureausclear evidence of Metro 2 breakdown and non-compliance in reporting charge-off codes and delinquency history.

This is deliberate. This is willful non-compliance. This account must be deleted entirely from all credit reports. I will escalate this without hesitation. 

XXXX XXXX XXXX XXXX XXXX demanding the permanent DELETE of this account. XXXX XXXX XXXX is reporting as a debt collector, but has never produced a signed agreement, itemized debt validation, or any document showing they have permissible purpose to report this on my file. That is a violation of FCRA XXXX ( a ) ( XXXX ). 

You ignored prior disputes. You failed to investigate under 611, you failed to verify under 1681s-2, and you're violating Metro 2 guidelines with inconsistent payment reporting, unclear status codes, and insufficient original creditor detail. This account reeks of data manipulation, not accuracy.

As a documented data breach victim, I expect my data to be handled with caution and care. Instead, your agency failed me. I am demanding immediate deletion of this account. 

XXXX XXXX XXXX I am demanding the immediate and permanent DELETE of this account from my credit profile. XXXX XXXX continues to report an alleged debt without any lawful validation or ownership documentation. Ive received zero contracts with my signature. No breakdown of amounts. No proof this debt even exists. You are in direct violation of FCRA 609 ( a ) ( 1 ), 611 ( a ), and 1681s-2.

You have never conducted a lawful reinvestigation. The tradeline reporting is factually incorrect, riddled with Metro 2 violations, and designed to artificially suppress my score. This is willful. This is unlawful. This is unacceptable. 

I am done tolerating this negligence. DELETE this account. If not, I will escalate this to federal and state regulators. 

XXXX XXXX XXXX I am demanding the immediate and permanent DELETE of this account. XXXX is reporting a collection supposedly acquired from XXXX XXXX, yet has never provided a valid chain of title, charge-off records, or proof of assignment. This violates FCRA 609 ( a ) ( 1 ).

You continue to report across all three credit bureaus with conflicting, unverifiable, and incomplete data. You are violating Metro 2 standards by failing to ensure that all furnished data is accurate, complete, and up to date. You failed your legal duty under 1681e ( b ) and your reinvestigation obligations under 611 ( a ).

I am a victim of identity mishandling due to major data breaches. Reporting unvalidated third-party collections under these circumstances is reckless and dangerous. DELETE this account now or face regulatory consequences. 

XXXX XXXX XXXX I am demanding the permanent DELETE of this account. XXXX XXXX is knowingly reporting a charge-off account with conflicting, manipulated, and incomplete information across all three bureaus. You have provided no agreement, no billing statements, no payment logs, and no lawful verification in accordance with FCRA XXXX ( a ) ( XXXX ). 

Your reporting shows delinquency patterns that contradict one another, status codes that are out of sync, and misleading history that directly violates Metro 2 formatting and 1681e ( b ) requirements. You have weaponized my data to damage my score despite the account being inactive.

Ive already suffered measurable harm due to identity theft and ongoing negligence stemming from the Equifax and XXXX XXXX XXXX XXXX. This continued misreporting only proves willful non-compliance. 

DELETE this account from all bureaus without delay or I will escalate this aggressively through CFPB, FTC, and my states consumer protection office. 

Each of these accounts is being reported with conflicting, unverifiable, and incomplete data. The continued presence of these accountswithout proper validation or verificationconstitutes clear, willful violations of : FCRA 611 ( Reinvestigation of Disputed Information ) FCRA 1681s-2 ( Responsibilities of Furnishers ) FCRA 1681e ( b ) ( Maximum Possible Accuracy ) Metro 2 Reporting Format requirements Furthermore, I am formally invoking my right under FCRA 611 ( a ) ( 7 ) to a full Method of Verification ( MOV ). You must disclose the name, address, and telephone number of each entity that verified the disputed items. If you can not meet that burden, these accounts must be permanently deleted. 

Failure to resolve this within 30 days will trigger complaints with the CFPB, FTC, and state-level regulators. I expect nothing less than immediate, permanent deletion of all items listed.

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