Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023 Hello, Good Morning, I hope your doing well. 

Request for Immediate Deletion of Charged-Off Account Pursuant to Metro 2 . 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I am writing to you regarding an account that is currently charged off in my credit report. I kindly request your assistance in facilitating the immediate deletion of this account from my credit history in accordance with the Metro 2 guidelines. 


According to the Metro 2 guidelines, specifically Section 605, the credit bureau has the ability to delete or update information reported.I have provided it is inaccurate or no longer relevant. I firmly believe that the charged-off accounts mentioned above can be deemed as inaccurate and obsolete, warranting its prompt removal from my credit report. 

In support of my request, I would like to highlight the following reasons : 1. Inaccuracy : Upon thorough review of my credit records, I have discovered several discrepancies and inconsistencies pertaining to the reported details of the charged-off account. I believe these inaccuracies may have arisen due to data entry errors or miscommunications. 

2. Verification : I kindly request that you validate the authenticity and accuracy of the information reported for the mentioned account. As a consumer, I have the right to request verification of any data affecting my credit report. 

3. Timeliness : The deletion of this charged-off account is of utmost importance to me, as it is negatively impacting my creditworthiness and hindering my ability to secure favorable credit terms. I kindly request that you expedite the resolution of this matter within five ( 5 ) business days, as allowed by the Metro 2 guidelines. 


I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

Please be advised that, as per my rights under the Fair Credit Reporting Act ( FCRA ), I will monitor the progress and outcome of this request closely. In the event that the requested actions are not taken within the specified timeframe or if the account is not found to be inaccurate, I may be compelled to pursue further remedies available to me under the FCRA. 

I appreciate your understanding and cooperation in addressing this matter promptly. 

Thank you for your immediate attention to this request. I look forward to a swift resolution of this issue.

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