Consumer complaint received 2025-08-26 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: MS

Complaint narrative:
I am once again formally disputing multiple inaccurate and unverifiable accounts being reported in my consumer file. the continued reporting of these items without tangible verification constitutes willful noncompliance under the Fair Credit Reporting Act ( FCRA ) and a direct violation of your duties under federal law.

You are required under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in consumer reporting and under 15 U.S.C. 1681i ( a ) to conduct a reasonable reinvestigation upon receipt of a dispute. Additionally, the Metro 2 Credit Reporting Resource Guide requires data furnishers and CRAs to ensure that all field values, payment ratings, and status codes are accurate, internally consistent, and factually supported by the furnishers records. 

Furthermore, I was a victim of both the Equifax Data Breach and the National Public Data Breach, meaning that any derogatory data reported about me must undergo heightened verification. This includes confirming the original contract, complete payment history, and legally enforceable proof that the debt exists and is mine. Merely parroting data back from the furnisher does not satisfy the legal definition of reasonable reinvestigation as established in case law. 

Accounts and Inquiries in Dispute Demand for Permanent Deletion if Unverifiable Inquiries XXXX XXXX  Date of Inquiry : XX/XX/XXXX. Please remove from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX. Please remove from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the false and damaging late payment reporting for XX/XX/XXXX, which claims a XXXX delinquency with an {$830.00} past-due amount. You have failed to provide verifiable proof that this late payment actually occurred. This violates FCRA 1681e ( b ), 1681i and Metro 2 standards for Payment Status, Payment Rating, and Past Due fields. The discrepancies in Date of Last Payment and Date Last Active across bureaus confirm non-compliance. My information was compromised in the Equifax and National Public Data Breaches, requiring heightened verification. If you can not produce tangible proofincluding full payment history, contractual terms, and verification from the original creditoryou must permanently DELETE this account. Continued unverifiable reporting constitutes willful noncompliance under 15 U.S.C. 1681n. 

XXXXXXXX XXXX XXXX XXXX XXXX I am disputing the continued reporting of this account as a derogatory collection/charge-off with a {$730.00} past-due balance and a Charged Off as Bad Debt ; Profit and Loss Write-Off status. No verifiable documentation has been produced to substantiate the accuracy of this reporting. This violates FCRA 1681e ( b ), 1681i and Metro 2 standards for account status, payment rating, and balance fields. Because my information was compromised in both major breaches, heightened verification is required. If you can not produce full proofincluding the original signed agreement, complete payment history, and legally enforceable validationyou must permanently DELETE this account. 

XXXX XXXX XXXXXXXX XXXX XXXX This account is being reported with the same derogatory charge-off status and {$730.00} balance as the XXXXXXXX XXXX XXXXXXXX XXXX No verifiable documentation has been produced. This reporting is inaccurate and unverifiable under FCRA 1681e ( b ), 1681i and fails Metro 2 compliance. If you can not provide original documentation and complete payment records, you must permanently DELETE this account. 

XXXX XXXX XXXXXXXX XXXX XXXX  I am disputing the continued reporting of this XXXX account with an unpaid balance of {$670.00} and multiple late payment notations. No tangible, verifiable documentation has been provided to prove accuracy. The reporting violates FCRA 1681e ( b ), 1681i and Metro 2 standards for Payment Status, Past Due Amount, and Date of Last Payment fields. Heightened verification is required given the breaches of my data. If you can not produce proofincluding original agreements, full payment history, and evidence of enforceabilityyou must permanently DELETE this account. 

XXXX XXXXXXXX XXXX XXXX XXXX  This account is closed and paid in full, yet you are reporting a XXXX late along with prior XXXX and XXXX lates. No verifiable documentation has been provided showing these entries are accurate or legally reportable. This violates FCRA 1681e ( b ), 1681i and Metro 2 rules, as a paid account must not carry derogatory notations without documented support. Date of Last Payment and Date Last Active fields also show bureau inconsistencies. If you can not provide original proofincluding the signed agreement, payment history, and XXXX XXXX  internal recordsyou must permanently DELETE this account. 

XXXX XXXXXXXX XXXX XXXX I am disputing the continued reporting of this account as a collection/charge-off with a {$5900.00} past-due balance. This reporting is inaccurate, unverifiable, and violates FCRA 1681e ( b ), 1681i. Metro 2 violations include inconsistencies in Date of Last Payment, Date Last Active, and High Credit fields, plus improper derogatory retention despite disputes. No proof from the original creditor supports this charge-off or balance. If you can not provide full verificationincluding the signed contract, full payment history, and enforceabilityyou must permanently DELETE this account. 
Legal Notice Your failure to correct or delete these accounts after my prior dispute violates 15 U.S.C. 1681i ( a ) ( 5 ), which requires deletion of unverifiable information, and 15 U.S.C. 1681s-2 ( b ), which obligates furnishers to investigate and correct inaccurate data. 

By continuing to report unverifiable and inconsistent information, you are also in willful violation of 15 U.S.C. 1681n, exposing you to liability for actual, statutory, and punitive damages, as well as attorneys fees.

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