Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
am formally disputing any unsubstantiated or inaccurate information in my credit report, in accordance with the FCRA and the Metro 2 data field reporting standard. I am deeply concerned about the allegations of delinquency and derogatory reporting without factual proof, as this violates both federal and state laws. It is essential to follow legal standards by ensuring the accuracy and legality of all claims made in my credit report. I respectfully request that you provide tangible, verifiable evidence to support the accounts existence and its proper usage for authorized purposes. If such evidence is unavailable, I insist on the immediate deletion of the account from my credit report. I hereby authorize the physical mailing of documentation detailing your actions and any updates made to my credit report. Listed below are the Personal Information items being challenged : Incorrect DOB : XXXX Listed below are the Accounts being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries being challenged : XXXX XXXX XXXX  I wish to emphasize that I never authorized such actions, and this situation not only disappoints me but also raises concerns about the integrity of my consumer rights under the Fair Credit Reporting Act. Despite my attempts to resolve this issue through direct contact with the reporting companies, no satisfactory validation or original proof has been provided. Listed below are the Personal Information items being challenged : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries being challenged : XXXX - XXXX I am deeply disappointed and angered by the violation of my consumer rights through the dissemination of inaccurate information. I demand fairness and an immediate explanation for the failure to uphold accuracy and compliance. The credit report I received is shockingly inaccurate and raises serious concerns about your adherence to the FCRA and Metro 2 formatting standards. I challenge you to provide verified, comprehensive, and truthful documentation for each claim. Any deviation from these standards jeopardizes the integrity of your data and the credibility of the information being reported. I insist on the immediate deletion of false accounts from my credit report to prevent any future financial repercussions. Accuracy, verification, and compliance are critical to safeguarding my credit profile. Listed below are the Personal Information items being challenged : Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate, as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you delete it from my credit report immediately. I would also like to bring to your attention the concerns I have outlined in the enclosed document pertaining to your reporting. Unfortunately, it has come to my attention that your reporting lacks completeness and falls short of the standards Ive outlined. It is important to underscore that, in accordance with legal provisions, both your organization and the data furnishers are legally obligated to certify all aspects of compliance under the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. This certification process must be conducted with due diligence and full legal responsibility

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