Consumer complaint received 2025-06-11 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: NJ

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report, in accordance with the FCRA and the accepted standard of Metro 2 data field reporting. The alleged delinquencies and inquiries lack factual proof and therefore I challenge their reportability. I request verifiable evidence for the account 's existence and permissible usage. If such evidence is lacking, I demand its removal. Please provide physical documentation supporting your actions and an updated credit report.

I kindly remind you to ensure the accuracy and correctness of all claims reported, as mandated by the Metro 2 reporting standard. Reporting claims that are known or should be known to be unlawful is inappropriate. I authorize you to send me physical documentation of your actions and an updated credit report. 

Additional personal information being challenged : Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Date of Birth : XXXX  Employer : XXXX XXXX XXXX XXXX XXXX challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additional inquiries being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like to bring to your attention that I have noticed the practice of sending out form letters in response to consumer disputes and challenges, irrespective of the specific details provided. I believe this contravenes legal requirements mandating individual and merit-based consideration. My letters were generated using universally accessible software, and failure to process them appears to violate 15 U.S. Code 1681i. It is essential to avoid undue delays in addressing consumer correspondence based on the presumption of third-party assistance, as this lacks legal validity.

I assert my authorship of all letters bearing my name. Any failure to promptly attend to these communications may be viewed as a deliberate disregard of my consumer rights, potentially necessitating legal action through consultation with my legal counsel. 

Thank you for your time and assistance in this matter. 

I respectfully request the swift removal of any derogatory accounts from my consumer credit reports that lack verifiable information or fail to comply with the established reporting standards. This is particularly vital if the accuracy, timeliness, completeness, ownership, and adherence to Metro 2 data field formatting standards are not definitively established, as required by both state and federal reporting laws, including the Fair Credit Reporting Act.

It is important to note that, as mandated by this Act, you have a maximum of 30 days to complete this necessary investigation. I anticipate your prompt action in rectifying any inaccuracies and ensuring my credit report reflects accurate, complete, and compliant information. 

Thank you for your time and assistance in this matter. 

This data appears to stem from either outdated public databases or the Equifax and XXXX XXXX XXXX XXXX, both of which have jeopardized the integrity of consumer data nationwide. There is no Metro 2-compliant documentation to justify the inclusion of this information in my file.

Under FCRA 1681i, you are now legally obligated to complete a full reinvestigation of every item listed above. If you can not obtain verified, original documentation linking each item to my file with 100 % certainty, you must DELETE it entirely. 
Reporting unverifiable information, especially following direct disputes, meets the standard for willful noncompliance under FCRA 616 and 617 and subjects you to statutory and punitive damages. Every misreported account and data point harms my credibility, affects my economic opportunities, and violates my legal rights. 

You are instructed to take the following actions without delay : DELETE the accounts from XXXX XXXX and XXXX. 
DELETE all listed inaccurate names, addresses, dates of birth, and employer data. 
Mail a complete copy of my updated credit report reflecting these deletions. 
Mail documentation used to verify these items ( if any ), or confirm that no documentation exists. 

I am keeping detailed records of all correspondence and will escalate this matter to the Consumer Financial Protection Bureau and other enforcement bodies if your response fails to comply with your statutory obligations.

There is no excuse for retaining or verifying data that is clearly inaccurate, unverifiable, and harmful.

You now have 30 calendar days under FCRA 1681i ( a ) ( 1 ) ( A ) to comply.

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