Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian, Equifax, and TransUnion for failing to properly investigate, validate, and correct inaccurate and non-compliant information on my consumer credit report, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) and Metro 2 Compliance Standards.

Despite multiple formal disputes sent to each bureau regarding inaccurate, unverifiable, and non-compliant negative accounts and personal identifier information, the credit bureaus have failed to provide documented proof of verification or remove the disputed information as required by law.

Some of the issues that I am facing are : Inaccurate and Unverifiable Accounts Reporting Failure to Follow Metro 2 Compliance Standards Failure to Investigate and Correct Disputed Items Incorrect and Outdated Personal Identifiers Lack of Permissible Purpose for Certain Inquiries Failure to Provide Validation Under 15 U.S.C. 1681g Each credit bureau is reporting accounts that are inaccurate, outdated, or unverifiable, including : Accounts that are not mine or incorrectly attributed Accounts that are missing key verification details ( Metro 2 compliance ) Accounts reported as charged off or delinquent without sufficient validation Specific accounts in question include but are not limited to : Experian : XXXX XXXXXXXX XXXX  XXXX ( Reported charge-off, unverified ) XXXX XXXX XXXX XXXX ( Unconfirmed, inconsistent reporting ) XXXX XXXX ( Non-compliant reporting, missing Metro 2 required fields ) XXXX XXXX  ( Incorrect charge-off status, lacks proper verification ) Equifax : XXXX XXXX XXXX XXXX XXXX ( Reporting inconsistencies across bureaus ) XXXX XXXXXXXX XXXX XXXX ( Lack of permissible purpose , unverifiable status ) XXXX  XXXX ( Unverified reporting, inconsistent across credit bureaus ) TransUnion : XXXXXXXX XXXX XXXXXXXX XXXX  ( Incorrect account details , unverifiable ) XXXX XXXX XXXX  ( Failure to validate ownership, missing Metro 2 compliance ) XXXX XXXX XXXX XXXX ( Reported late payment ,

lacks proper verification ) Under Metro 2 Reporting Guidelines issued by the Consumer Data Industry Association ( CDIA ), all credit data must be formatted, verified, and reported with the highest level of accuracy and completeness. The accounts listed above contain missing or inconsistent information, making them non-compliant with Metro 2 standards.

Per CDIAs Credit Reporting Resource Guide ( CRRG ), any deviation from Metro 2 standards compromises data integrity. These credit bureaus are knowingly reporting inaccurate and incomplete information in violation of industry compliance rules.

The Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requires credit bureaus to investigate disputes and correct any unverifiable information.

Despite my formal disputes via certified mail, the credit bureaus have failed to : Provide verifiable documentation proving the accuracy of the reported items. Cor
rect or remove unverifiable accounts within the 30-day FCRA timeframe.

Ensure all data meets Metro 2 compliance standards.

If a credit bureau can not verify the accuracy of an account, it must be removed immediately under 15 U.S.C. 1681i ( a ) ( 5 ). 

Each credit bureau is reporting incorrect, outdated, or unauthorized personal identifiers, including : Incorrect Names ( e.g., XXXX XXXX XXXX instead of XXXX XXXX ) Incorrect Addresses ( Listings I never resided at or outdated locations ) Incorrect Employer Information ( Employers I never worked for or outdated records ) FCRA 1681b requires credit bureaus to ensure only accurate and relevant personal information is reported. The inclusion of outdated or incorrect identifiers creates potential fraud risks and negatively impacts my credit profile.

E. Lack of Permissible Purpose for Certain Hard Inquiries There are unauthorized hard inquiries on my credit report that were conducted without my explicit permission or permissible purpose under 15 U.S.C. 1681b. 

Examples of Unauthorized Inquiries : Experian : XXXX XXXX  XXXX ( XX/XX/year> ), XXXX XXXX ( XX/XX/year> ) Equifax : XXXX ( XX/XX/year> ), XXXX XXXXXXXX ( XX/XX/year> ), XXXX ( XX/XX/year> ) TransUnion : XXXX XXXX ( XX/XX/year> ) If an inquiry was performed without my authorization, it must be removed immediately under FCRA rules.