Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute and Demand for Deletion of Inaccurate and Unverifiable Information Pursuant to the Fair Credit Reporting Act, AND Consumer Notification of Recent and Currently Discovered Item ( s ) with Potential Misinformation Dear Sir/Madam, This letter serves as a formal notification that I am disputing the accuracy and verifiability of several items currently appearing on my credit report, referencing the attached document detailing specific accounts and alleged inaccuracies. I request immediate investigation and subsequent deletion of these items, as their inclusion violates the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

I contend that the inclusion of these items on my credit report is inaccurate, unverifiable, and/or violates my rights under the following provisions of law : * 15 U.S. Code 1681b - Conditions for disclosure for consumer reports : The listed credit items may have violated the permissible use conditions.

* 15 U.S. Code 1681e - Accuracy of report : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy of information. The accuracy of the mentioned items is being disputed and needs to be verified beyond simply matching the information against what the furnisher says is accurate.

* 15 U.S. Code 1681i - Procedure in case of disputed accuracy : If the completeness or accuracy of any item of information in a consumer 's file at a consumer reporting agency is disputed by the consumer, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item.

* 15 U.S. Code 1681n - Civil liability for willful noncompliance : An agency or furnisher of credit could be liable for any incorrect items, particularly given the clear deficiencies outlined in the attached documentation. 

Furthermore, I demand strict compliance with the following : * You must conduct a reasonable reinvestigation into each disputed item, going beyond simply verifying the information with the original creditor. You must provide documented proof that you independently verified the accuracy and completeness of the information, adhering to Metro 2 standards as outlined by the XXXX. 
* You must provide me with copies of all documentation used to verify the disputed information, including but not limited to original contracts, payment histories, and any other records that support the validity of these debts, adhering to Metro 2 reporting standards for accuracy and completeness. 
* If you are unable to verify the accuracy and completeness of any disputed item within the timeframe mandated by the FCRA, adhering strictly to Metro 2 standards and providing irrefutable evidence of compliance, you must immediately delete that item from my credit report. 
* You must provide me with written notification of the results of your reinvestigation, including a copy of my updated credit report, within the timeframe mandated by the FCRA. 
* I demand verification that each employee at your firm which MIGHT have seen or conducted any business on the file you allege mine has been properly trained by a certified and qualified instructor of the Metro 2 data field formatted reporting standards. 

I expect your full cooperation in this matter. I have outlined specific concerns regarding Metro 2 compliance and data integrity in the attached documentation. Failure to comply with my demands may result in further action, including legal proceedings where I will seek maximum damages and penalties as permitted by law. 

I will allot to you up to 7 days from the receipt of this letter to acknowledge and modify with undeniable adequacy and fairness muchless with sure maximum possible correctness and completeness in total compliance of reporting requirements expectable of and from you, else legal action may well be the direction I have elected to have then taken. If I take legal action, I assure you that the cost will be much higher to your company. It will benefit both parties to take immediate action. By selecting one of the available options I have provided, I will consider this matter settled and pursue no further action ( s ). I must solicit for the verification ( s ) and validation ( s ) of certifiably compliant reporting in agreement with each any and all aspects of I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently dubious as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Illustrate now the Proof each any and all claim ( s ) Sincerely, XXXX 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