Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the inaccurate and derogatory information that you have included in my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., I have the right to dispute any information I believe is inaccurate, incomplete, unverifiable, or not compliant with federal reporting standards. Your failure to verify the accuracy, completeness, and permissible purpose of these entries before reporting them to creditors is unacceptable and a direct violation of my consumer rights. 

Personal Information Being Challenged : Incorrect Name : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Incorrect Date of Birth : XXXX Incorrect Employer : XXXX XXXX Collections Being Challenged : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon my review, I have found no evidence that you properly verified, validated, or certified these entries according to the standards required under Metro 2 reporting guidelines and the CDIA 's Credit Reporting Resource Guide ( CRRG ). Any failure to meet strict Metro 2 data standards automatically invalidates your right to report these accounts.

Additionally, some of the accounts in question appear to have been reinserted into my credit file without proper notice as required by FCRA 611 ( a ) ( 5 ) ( B ). I have not received any written notification within five business days as mandated when reinsertions occur. This is a blatant violation of my rights.

You are now required to provide the following : Complete and certified documentation from the original creditor or furnisher that validates each account as accurate, complete, and fully compliant with Metro 2 standards. 

Proof of permissible purpose for each inquiry under FCRA 604 [ 15 U.S. Code 1681b ].

Immediate deletion of any unverifiable, inaccurate, or non-compliant information.

If you fail to meet these requirements within 30 days of receipt of this letter, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX my State Attorney General, and other appropriate regulatory agencies for willful non-compliance.

You have a legal duty to ensure maximum possible accuracy under FCRA 607 ( b ). Any continued reporting of these unverifiable accounts will be viewed as a knowing violation of my consumer rights, and I will take all necessary legal action to protect myself.

I expect written confirmation of your findings and an updated credit report reflecting the full deletion of these accounts.

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