Consumer complaint received 2024-12-06 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian National Consumer Assistance XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom it May Concern : I am writing to address concerns regarding the accuracy and compliance of information on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681I ) and industry-standard reporting guidelines such as the Metro 2 Five Points of Compliance. 
It has come to my attention that certain information reported on my credit file may be inaccurate, inconsistent, or unverifiable. Under the FCRA and Metro 2 standards, creditors are obligated to provide accurate and complete information to credit reporting agencies ( CRAs ) in a timely manner.

I want to emphasize the importance of adhering to the prescribed reporting requisites and standards. Even if the information reported is factually correct, it must be reported precisely according to the mandated format, such as Metro 2 data field formatting. Any deviations from these standards may render the reported information deficient and non-compliant. 
Therefore, I am exercising my rights as a consumer to demand the removal of any inaccuracies and deficiencies from my credit report. I request a thorough investigation into the sources of these accounts to ensure that creditors have fully complied with industry reporting standards, including Metro 2 requirements. 
It is crucial to ascertain that all alleged reporting data furnishers can accurately provide my complete file information to all major credit reporting agencies, including XXXX, Experian, and XXXX. 
Furthermore, I want to highlight the significance of the FCRA 's provision regarding the accuracy of consumer reports ( 15 U.S.C. 1681e ( b ) ). Consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information contained in consumer reports. 

XXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA c ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported I want to thank you in advance for your speedy assistance with this matter. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian National Consumer Assistance XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom it May Concern : I am writing to address concerns regarding the accuracy and compliance of information on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681I ) and industry-standard reporting guidelines such as the Metro 2 Five Points of Compliance. 
It has come to my attention that certain information reported on my credit file may be inaccurate, inconsistent, or unverifiable. Under the FCRA and Metro 2 standards, creditors are obligated to provide accurate and complete information to credit reporting agencies ( CRAs ) in a timely manner.

I want to emphasize the importance of adhering to the prescribed reporting requisites and standards. Even if the information reported is factually correct, it must be reported precisely according to the mandated format, such as Metro 2 data field formatting. Any deviations from these standards may render the reported information deficient and non-compliant.

Therefore, I am exercising my rights as a consumer to demand the removal of any inaccuracies and deficiencies from my credit report. I request a thorough investigation into the sources of these accounts to ensure that creditors have fully complied with industry reporting standards, including Metro 2 requirements. 
It is crucial to ascertain that all alleged reporting data furnishers can accurately provide my complete file information to all major credit reporting agencies, including XXXX, Experian, and XXXX. 
Furthermore, I want to highlight the significance of the FCRA 's provision regarding the accuracy of consumer reports ( 15 U.S.C. 1681e ( b ) ). Consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information contained in consumer reports. 

XXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : No Data Reported c ) The XXXX shows : No Data Reported XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : No Data Reported XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : No Data Reported XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : No Data Reported c ) The XXXX shows : No Data Reported XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : No Data Reported I want to thank you in advance for your speedy assistance with this matter. 

Respectfully submitted, 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