Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against the bureaus for continued reporting of inaccurate, incomplete, or unverifiable accounts on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards.

Despite submitting written disputes referencing FCRA 611, 607 ( b ), 1681i, 1681s-2, and Metro 2 formatting requirements, the credit bureaus have failed to properly investigate or correct the following inaccurate items : Accounts Reporting Late Payments While Open ( All XXXX Bureaus ) : AXXXX 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  : These accounts show late payments while still open, without verified documentation. Reporting lates prior to account opening or without verified dates violates Metro 2 guidelines and FCRA 607 ( b ). No documentation has been provided after my formal disputes.

Accounts with Derogatory Status Despite {$0.00} Balance or Incomplete History : CAPITAL ONE Opened : XX/XX/XXXXXXXX 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 These accounts report late payments or charge-offs even though some show {$0.00} balances or settled status. The bureaus have failed to provide any creditor-supplied documentation validating these derogatory remarks. 

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 This third-party debt collector has failed to validate ownership, debt itemization, or the chain of assignment as required under FCRA 611, FDCPA 809, and the Method of Verification ( MOV ) process. The bureaus are continuing to report this account without proper verification from the data furnisher. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX  Opened : XX/XX/XXXX | Balance : {$9700.00} Issue : This third-party debt collector has failed to validate ownership, debt itemization, or the chain of assignment as required under FCRA 611, FDCPA 809, and the Method of Verification ( MOV ) process. The bureaus are continuing to report this account without proper verification from the data furnisher. 

Public Record ( Bankruptcy ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : I am requesting source verification from the original court, not from third-party vendors such as XXXX or XXXX. If Experian, Equifax, or TransUnion can not provide original public record sourcing per FCRA 609 ( a ) ( 1 ), it must be removed.

Legal Violations Identified : FCRA 611 ( a ) : Failure to conduct proper reinvestigation.

FCRA 607 ( b ) : Inaccurate reporting not reflecting maximum possible accuracy. 

15 U.S.C. 1681i & 1681s-2 ( b ) : Furnisher failure to respond to disputes properly.

Metro 2 Standards : Late payment and charge-off reporting errors.

FDCPA 809 : No validation of third-party collection debt by XXXX XXXX XXXX

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