Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

*XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX **Experian Dispute Department** XXXX XXXX XXXX XXXX, TX XXXX XXXX : Formal Dispute of Inaccurate Information on Credit Report Using Metro 2 Compliance*XXXX Dear Experian Dispute Department, I am writing to formally dispute multiple inaccuracies on my credit report using the Metro 2 format and Compliance Condition Codes. The details of the account in question are as follows : # # # Account Information : - **Account Number : ** XXXX - **Account Type : ** Charge Card ( Code 23 - Revolving ) - **Date Opened : ** XX/XX/XXXX - **Status : ** Closed ( Code XXXX - Paid Charge Off ) - **Balance : ** {$320.00} ( written off ) - **Credit Limit : ** {$2500.00} - **Total Balance : ** {$130.00} - **Balance Updated : ** XX/XX/XXXX - **Past Due Amount : ** {$120.00} ( as of XX/XX/XXXX ) - **Highest Balance : ** {$320.00} - **Last Payment Date : ** XX/XX/XXXX - **Status Updated : ** XX/XX/XXXX # # # Dispute Details ( with XXXX XXXX Codes ) : XXXX. XXXX ( XXXX XXXX- Account XXXX XXXX ) : This status is inaccurate, and I dispute it. 
XXXX. XXXX XXXX ( XXXX XXXX - Date Opened ) : The reported date of XX/XX/XXXX, is incorrect. Please verify and correct this information. 
XXXX. XXXX XXXX ( XXXX XXXX- XXXX XXXX ) : The account type is incorrectly reported. I dispute the classification of this account. 
XXXX. XXXX ( XXXX XXXX- XXXX XXXX ) : The reported balance of {$320.00} is inaccurate. Please correct this. 
XXXX. XXXX XXXX ( XXXX XXXX- XXXX XXXX ) : The total balance of {$130.00} is incorrect. I dispute this figure. 
XXXX. **Balance Updated XXXX ( Code XXXX - Last Balance Date ) : The balance update date of XX/XX/XXXX, is inaccurate. Please verify and correct it. 
XXXX. XXXX XXXX ( XXXX XXXX- XXXX XXXX ) : The reported highest balance of {$320.00} is incorrect. Please update it with the correct amount. 
XXXX. **Last Payment Date** ( Code XXXX - Last Payment Date ) : The last payment date of XX/XX/XXXX, is inaccurate. I dispute this date. 
XXXX. **Variety of XXXX ( XXXX XXXX- Account XXXX ) : The classification and reporting of this account do not reflect the true nature of the account. Please update. 

# # # Legal Basis for Dispute and Compliance : This dispute is being filed under the guidelines of **Metro XXXX Compliance Reporting Standards**. According to the **Fair Credit Reporting Act ( FCRA ) **, credit reporting agencies and furnishers must report accurate, verifiable, and compliant information. Specifically, I request a full verification of all account details in compliance with the following FCRA provisions : - **Section 609 ( a ) ( 1 ) : ** I have the right to obtain all information in my file, including the original contract with my wet signature.

- **Section 611 ( a ) ( 1 ) ( A ) : ** Credit reporting agencies are mandated to conduct a reasonable investigation upon receiving notice of a dispute.

- **Section 623 ( a ) ( 3 ) : ** Furnishers are required to promptly correct any inaccurate information on a consumer 's file.

Failure to provide evidence, such as a **physical copy of the signed contract** proving this accounts accuracy, will result in the **deletion of this account** from my credit report.

# # # Compliance with the FCRA : The information provided must adhere to **Metro 2 standards** to ensure accuracy in credit reporting. If this information can not be verified or does not meet the accuracy and compliance guidelines, the account must be deleted immediately as it can not be lawfully reported.

# # # Action Requested : XXXX. **. XXXX account information be deleted its fraudulent ** : I request that all inaccurate data be corrected in compliance 2. **Full Documentation and Verification** : Provide physical evidence of the original signed contract with my wet signature. Failure to produce this documentation will require the removal of this account per **Section 611** of the FCRA. 
XXXX. **Written Confirmation** : Upon completion of the investigation, provide written confirmation that the necessary changes have been made, including all documentation used during the investigation. 

Failure to comply will result in further action, including filing complaints with the **Consumer Financial Protection Bureau ( CFPB ) ** and the **Federal Trade Commission ( FTC ) **. 

Thank you for your attention to this matter. I look forward to a prompt resolution within the legally required time frame of 30 days. 

Sincerely, **XXXX  XXXX XXXX XXXX