Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
This letter serves as my formal demand for immediate investigation and permanent deletion of all inaccurate, unverifiable, and non-compliant information currently being reported on my consumer credit report under your agency, as required by the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), Metro 2 Compliance Standards, and Consumer Data Industry Association ( CDIA ) guidelines.

You are reporting derogatory, incomplete, and factually inaccurate information that lacks certified proof of claim, proper verification, or full Metro 2 data field compliance. Your reporting practices have jeopardized data integrity in direct violation of FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ), 1681i ( a ) ( failure to conduct reasonable reinvestigation ), 1681b ( lack of permissible purpose ), and 1681n ( willful noncompliance ). Your continued failure to maintain accurate reporting standards demonstrates reckless disregard and willful misconduct, subjecting you to statutory and punitive damages under federal law. 

I demand you immediately DELETE the following inaccurate and unverifiable accounts from my credit report : Accounts Challenged : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Collections 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX Inquiries Challenged : XXXX XXXX - XXXX Personal Information Challenged : Incorrect Name : XXXX XXXX Incorrect Name : XXXX XXXX XXXX Incorrect DOB : XX/XX/year> Incorrect Current Address : XXXX XXXX, XXXX, NY XXXX Incorrect Previous Address : XXXX SUNRISE HWY, XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX WAY, XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX  Employer : XXXX I further remind you that you have XXXX legal authority to continue reporting these inaccurate items without proper verified evidence of my consent, ownership, responsibility, and full legal compliance. Any continued reporting constitutes harassment, unlawful collection activity, and possible extortion under state and federal statutes. 

You are now on notice. I am demanding full deletion of these accounts and erroneous personal information. If you fail to fully comply within 30 days of receipt of this notice, you will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXX Attorney XXXX XXXX, and legal counsel for full enforcement of my rights under 15 U.S. Code 1681n & 1681o.

I require you to send me : Full investigation results Physical copies of all verified documentation used in your reporting Updated and corrected credit report Your failure to comply will result in additional legal action.

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