Consumer complaint received 2025-06-24 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: AZ

Complaint narrative:
I am extremely disturbed by your ongoing willful violations of my consumer rights under federal law. The credit report you have provided contains multiple, severe inaccuracies, incomplete reporting, unverifiable data, and clear Metro 2 and FCRA violations.

You are knowingly reporting false and unverifiable information that directly damages my creditworthiness and subjects me to continued financial harm. This is a willful non-compliance of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( Failure to reinvestigate disputed information ) 15 U.S.C. 1681e ( b ) ( Failure to maintain maximum possible accuracy ) 15 U.S.C. 1681c-2 ( a ) ( Failure to block fraudulent information ) Metro 2 Data Reporting Standards ( Data integrity, field accuracy, permissible status codes, and reinsertion violations ) Willful re-aging of debt and duplicate reporting in violation of Metro 2 Section 420. 

You have failed to provide independent verifiable evidence to support these entries. You have failed to produce original signed contracts, full chain of custody, or legal validation of liability. Reporting inaccurate, unverifiable, and obsolete data is a direct violation of my rights. 

Personal Information Being Disputed : Incorrect DOB : XXXX Incorrect Employer : XXXX Incorrect Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Names : XXXX XXXX, XXXX XXXX Accounts Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are hereby demanded to : Permanently DELETE these accounts, collections, inquiries, and inaccurate personal data immediately. 

Cease reporting unverifiable, inaccurate, and non-compliant information. 

Provide full physical documentation validating any remaining entries within the statutory period. 

Mail an updated copy of my credit report reflecting all deletions for my review. 

Failure to comply will result in immediate escalation, including formal complaints to the CFPB, FTC, State Attorney General, and initiation of private legal action under 15 U.S.C. 1681n & 1681o for willful and negligent non-compliance, with statutory damages, punitive damages, and attorneys fees sought in full. 

You have been given more than ample opportunity to lawfully investigate these disputes. Your continued failure to correct these violations demonstrates bad faith and intentional harm. 

I expect your full compliance with this demand within the legally mandated timeframe.

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