Consumer complaint received 2024-07-30 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: GA

Complaint narrative:
Re : URGENT Metro 2 Compliance and Debt Validation Request Dear Sir/Madam, This letter serves as a formal demand for the immediate correction and validation of the information reported on my credit file. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Consumer Financial Protection Bureau ( CFPB ) guidelines, all data furnishers must adhere to Metro 2 reporting standards. I am requesting the validation and correction of several inaccuracies and discrepancies related to collection accounts listed on my credit report.

Furthermore, I am conducting a forensic audit of my account and require the issuance of Form 1099-C for any accounts that have been charged off. According to Generally Accepted Accounting Principles ( GAAP ) and the International Financial Reporting Standards ( IFRS ), a charge-off represents a profit and loss statement entry. Therefore, appropriate documentation must be provided. 

Specific Inaccuracies and Required Actions XXXX. Collection Account : XXXX XXXX Account Number : XXXX Reported By : XXXX Issue : Inconsistent reporting across agencies, incorrect dates, and charge-off status. 
Action Required : Provide a detailed validation of the debt, including the original contract, payment history, and proof of accurate reporting according to Metro 2 standards. 
XXXX. Collection Account : XXXX XXXX XXXX Account Numbers : XXXX and XXXX Reported By : XXXX Issue XXXX Duplicate accounts, inconsistent balance reporting, and derogatory status. 
Action Required : Validate the debt with complete and accurate documentation. Ensure removal of duplicate accounts and update the balance information to reflect accurate reporting as per Metro 2 compliance. 
XXXX. Collection Account : XXXX Account Number : XXXX Reported By : XXXX XXXX : Incorrect account type and status, inconsistent date of last payment. 
Action Required : Provide a detailed validation of the debt, including the original contract, payment history, and proof of accurate reporting according to Metro 2 standards. 
XXXX. Collection Account : XXXX XXXX XXXX Account Number : XXXX Reported By : XXXX Issue : Inconsistent balance reporting, incorrect payment status, and derogatory status. 
Action Required : Validate the debt with complete and accurate documentation. Ensure removal of duplicate accounts and update the balance information to reflect accurate reporting as per Metro 2 compliance. 
XXXX. Collection Account : XXXX XXXX Account Number : XXXX Reported By : XXXX Issue : Inconsistent high credit reporting, incorrect account status, and charge-off details. 
Action Required : Validate the debt with complete and accurate documentation. Ensure removal of duplicate accounts and update the balance information to reflect accurate reporting as per Metro 2 compliance.

Legal Consequences and Compliance This is a formal notice that your organization is legally required to ensure the accuracy and completeness of the information reported to the credit bureaus. Any failure to comply within thirty ( 30 ) days will be met with legal action to enforce my rights under the FCRA and related consumer protection laws. 

Additionally, I request that you email a full, updated, and corrected copy of my credit report reflecting these changes to the following address : XXXX. 

I expect your immediate and thorough cooperation in this urgent matter. Your adherence to XXXX XXXX compliance standards is not only a legal obligation but a critical factor in maintaining the integrity of the credit reporting system. 

CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Enforcement, Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, Washington, XXXX XXXX Consumer Financial Protection Bureau Attorney Generals Office XXXX XXXX XXXX State Senate Federal Deposit Insurance Corporation Comptroller of the Currency Federal Reserve System Credit and Insurance Federal Trade Commission State Regulatory Agency California Regulatory Agency Division of Consumer Complaints Thank you for your prompt attention to these corrections. 

Sincerely, XXXX XXXX [ XXXX ] Without prejudice, all natural inalienable rights reserved

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