Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Collection Account Metro 2 Compliance To Whom It May Concern, I am writing to formally dispute the collection account reported on my credit report, which does not comply with Metro 2 reporting standards. I am requesting that Experian conduct a thorough investigation into the accuracy and completeness of this collection account and promptly delete it from my credit report if it is found to be unverifiable or inaccurate. 

The account in question Is : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Amount : [ XXXX ] Date Opened : [ XX/XX/XXXX ] Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. Experian is obligated to follow Metro 2 reporting standards to ensure the accuracy and completeness of the information reported.

To support my dispute, I am providing the following documentation : A copy of my credit report highlighting the disputed collection account.

Proof of identity ( e.g., a copy of my drivers license and Utility bill. ) Any relevant correspondence related to this account.

Additionally, I would like to bring to your attention several court cases in which Experian has been found in violation of accurate reporting requirements : XXXX XXXX Experian Information Solutions , Inc. : The court found that Experian failed to conduct reasonable investigations into disputed information. 
XXXX v. Experian Information Solutions , Inc. : Experian was found to have violated the FCRA by reporting inaccurate information and failing to correct it after being notified. 
XXXX XXXX Experian Information Solutions , Inc. : This case demonstrated Experians non-compliance with FCRA standards in maintaining accurate and verifiable information on consumers credit reports.

Given the above-mentioned legal precedents, it is clear that Experian has an obligation to ensure that the information reported is accurate, complete, and verifiable. Failure to comply with these requirements can result in legal consequences, as demonstrated by the aforementioned cases.

I kindly request that you : Investigate this collection account under the FCRA guidelines. 
Delete the account from my credit report if it can not be verified or if it is found to be inaccurate or incomplete. 
Provide me with a written statement confirming the results of your investigation. 
Please be aware that I am maintaining a detailed record of my communications with you regarding this matter. Should you fail to comply with this request, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation