Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report. 
XX/XX/XXXX-This account is not accurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. 
XX/XX/XXXX- The data is not complete, accurate, or up-to-date, and no evidence has been supplied to confirm compliance with any consumer protection laws. I demand that this information be deleted immediately. 
The account XX/XX/XXXXwith number XXXX is not correct on my credit reportits showing a rating of Collection/Chargeoff. You mentioned the account was opened on XX/XX/XXXX and the last activity was on XX/XX/XXXX, but this doesnt add up. Please remove this account as soon as possible. 
Please address the inaccurate account XXXX ( XXXX ) on my credit report listed as Collection/Chargeoff, with dates XX/XX/XXXX and XX/XX/XXXX. This is hindering my financing efforts. 
As per 15 U.S.C. 1681s-2, I request this accounts deletion and proof of the {$730.00} Im seeing the account XX/XX/XXXX/XX/XX/XXXXwith number XXXX is marked with a rating of Collection/Chargeoff on my credit report. You said this account started on XX/XX/XXXX and had a last activity date of XX/XX/XXXX, but this isnt right. It needs to be deleted now. 
XXXX reaching out because this account XXXX XX/XX/XXXX( Original Creditor : XX/XX/XXXX) with number XXXX is showing up wrong on my credit report as Collection/Chargeoff, and its really holding me back. You said it was opened on XX/XX/XXXX and had a date of last activity of XX/XX/XXXX, but I know thats not right.

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