Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

I am writing to dispute the continued presence of an account from XXXX XXXX  on my consumer credit report. Please be advised that this same account has already been removed from my XXXX credit report, and I am requesting immediate removal from XXXX records based on the following points, as outlined by Metro 2 reporting standards and federal consumer protection laws.

1. Compliance with Metro 2 Reporting Standards Under the Metro 2 Format Guidelines developed by the XXXX XXXX XXXX XXXX ( XXXX ), all furnished data must be complete, accurate, and compliant with the Fair Credit Reporting Act ( FCRA ). The reporting of my XXXX XXXX  account is inconsistent with these standards, as it contains inaccuracies and has not been properly verified. This discrepancy raises significant concerns regarding compliance with the Metro 2 Format. 

Additionally, XXXX XXXX  is responsible for ensuring the accuracy of the data they furnish. Given that this account has already been removed from XXXX due to an apparent error or violation, it must be similarly rectified in XXXX report. I request a full investigation to determine the account 's accuracy and its subsequent removal in compliance with Metro 2 standards.

2. Violation of the Fair Credit Reporting Act ( FCRA ) Per Section 611 of the FCRA, consumers have the right to dispute inaccurate or unverifiable information on their credit reports. Since this XXXX XXXX  account has already been removed from XXXX, the continued presence of this account on my Experian report violates my rights under the FCRA. Moreover, if Experian is unable to verify the legitimacy of this account within 30 days, it must be removed in accordance with FCRA guidelines.

3. Failure to Meet Consumer Data Integrity Laws The FCRA, specifically Sections 607 ( b ) and 623, obligates credit reporting agencies and furnishers to maintain maximum possible accuracy in consumer reporting. The inconsistent reporting of this account across different credit bureaus clearly indicates a failure in adhering to data integrity laws. This data discrepancy is materially affecting my credit report and score, which constitutes harm under consumer protection laws.

4. Potential Non-Compliance with the Consumer Financial Protection Bureau ( CFPB ) Standards XXXX XXXX  has previously been subject to scrutiny for consumer reporting violations by the Consumer Financial Protection Bureau ( CFPB ). The continued presence of this account on my Experian report despite removal from XXXX suggests potential non-compliance with CFPB standards, further warranting an investigation. 

Request for Immediate Action Based on the above violations of Metro 2, FCRA, and other applicable consumer protection laws, I am requesting the immediate removal of the XXXX XXXX  account from my Experian credit report. I am also requesting a written statement verifying the removal and that all relevant parties, including XXXX XXXX, are notified of this correction. 

Please consider this my formal dispute. I have attached copies of my credit report from XXXX showing the removal of this account, along with the necessary documentation to verify my identity. 

I expect a response confirming that the erroneous data has been corrected within the legally mandated 30-day period. Failure to comply will result in my escalation of this dispute to the Consumer Financial Protection Bureau and other relevant authorities. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX