Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several Metro 2 violations and inaccuracies in my credit report provided by XXXX, Experian, and XXXX XXXX reporting agencies. The following information outlines these violations, highlighting the inconsistency with the Credit Data Industry Association ( CDIA ) reporting standards and potential violations of the Fair Credit Reporting Act ( FCRA ).

Background Information Credit Bureau : Experian Address : Credit Bureau : XXXX Address : Credit Bureau : XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Date of Credit Report : XX/XX/XXXX The following sections outline the issues observed in my credit report, including discrepancies in reporting, non-compliance with Metro 2 standards, and violations of FCRA laws.

Violations and Discrepancies Inaccurate Personal Information : My credit report contains incorrect personal information. This includes my name and address, which should reflect accurate and updated data. Please remove any information that does not match the following : Correct Name : XXXX XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX These inconsistencies violate FCRA 's requirements for accurate and fair reporting. 
Specific Account Discrepancies : The following accounts contain multiple discrepancies and inconsistencies with Metro 2 standards. Please review the information provided and correct or delete these accounts if they do not comply with established standards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Discrepancies in the last payment date, date reported, and other compliance-related fields. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Errors in the credit limit and other account details. This does not meet Metro 2 reporting standards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Issues with 2-year payment history, account description, and other critical fields. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Incorrect data regarding past due amounts, term length, and credit limits. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inconsistencies with creditor remarks and account types. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Problems with last activity dates, creditor remarks, and other inconsistencies. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Incorrect 2-year payment history and other critical fields. This account is not mine and i have no knowledge of this account. Remove this account expeditiously.

The errors listed above constitute a violation of Metro 2 reporting standards as established by the CDIA. The inconsistent and inaccurate information impacts my creditworthiness and violates FCRA 's requirements for accurate, timely, and verified credit reporting.

Remedy and Action I am requesting that the CFBP, XXXX, Experian, XXXX do what is fair and equitable to me as the consumer. Expeditiously investigate, correct, and delete these discrepancies within 30 days as required by the FCRA. If the information can not be corrected, it should be removed from my credit report to avoid further harm to my credit standing. Please send me validation of the debt you claim i owe, Verified proof of claim, contract copy with wet ink signature and an updated credit report with all necessary corrections and tangible proof of compliance with Metro 2 standards and CDIA guidelines. 

If these issues are not resolved promptly, I will consider taking legal action and escalating my complaint to higher authorities. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of these discrepancies. 

Sincerely, XXXX XXXX XXXX XXXX