Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims and challenges to their reportability according to the FCRA and the accepted standard of Metro 2 data field reporting. Federal and state laws mandate accurate and complete reporting of all allegations, and it is inappropriate to report unlawful claims. 

I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. If such evidence is lacking, I expect immediate removal from the report. I authorize you to send me physical documentation of your actions and an updated credit report to ensure compliance with the Metro 2 reporting standard. 

Listed below is the personal information that is being challenged : Incorrect Name : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Listed below is the account that is being challenged : XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 USC 1681c-2 ). You are now in willful non-compliance and are actively violating my consumer rights. 

I demand the immediate deletion of the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. Code 1666B. It was never late, so delete this multiple late remark from the payment history. 
Under 15 USC 1681b ( a ) ( 2 ) Permissible Purposes : " ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. '' Again, remove the multiple incorrect late remarks and update the status to " Paid as agreed, '' or DELETE the account entirely from my report. 

XXXX XX/XX/year> : Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XX/XX/year> : Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XX/XX/year> : Unauthorized Hard Pull! Please refer to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

Your continued negligence in handling identity theft reports violates : FCRA 605B ( 15 USC 1681c-2 ) Failure to block fraudulent data 15 USC 1681n Willful non-compliance with the FCRA 15 USC 1681o Negligence in reinvestigating disputed information 15 USC 1681s-2 Failure of furnishers to report accurate data If you fail to comply within 10 days, I will escalate this matter to the CFPB, FTC, and the Attorney Generals Office, and seek legal damages for your reckless disregard of federal law. 

I wish to formally contest any unverified or unsubstantiated information within my credit report, adhering to the stipulations of the FCRA and the established Metro 2 data field reporting standard. The allegations of delinquency and derogatoriness require substantiated evidence in accordance with federal and state laws governing accurate and complete reporting. 

I kindly urge your commitment to ensuring the precision and legality of all claims, as mandated by the Metro 2 reporting standard. I respectfully request the provision of tangible, verifiable evidence supporting the account 's existence and its permissible use. Should this evidence be lacking, I request its removal from the report. I hereby grant authorization for the mailing of physical documentation detailing your actions and my updated credit report. 

Listed below is the personal information that is being challenged : Incorrect Name : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Name : XXXX XXXX XXXX Employer : EMPLOYED Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect DOB : XXXX  Employer : XXXX XXXX Listed below is the account that is being challenged : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Listed below are the inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir, Madam, or To Whom It May Concern, I respectfully contest any inaccurate or undocumented information on my credit report, including unproven claims. I am adhering to the FCRA and the accepted standard of Metro 2 data field reporting. Allegations of delinquency and inquiries must be supported by factual evidence. It is imperative to report accurately and in compliance with federal and state laws. Please ensure the veracity of all claims. 


Listed below is the account that is being challenged : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Listed below is the inquiry that is being challenged : XXXX XXXX XXXX I would like to bring to your attention the matter of my rights being violated. Enclosed within this document are the concerns I have outlined regarding your reporting practices. It is evident that the information provided is incomplete and fails to meet the standards I expect. 

I must emphasize that, according to the law, it is imperative for you to certify all aspects of required FCRA/Metro 2 compliance in a truthful, accurate, timely, and comprehensive manner. Failure to do so may necessitate the escalation of these issues to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General for further investigation and resolution

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