Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
METRO 2 FORMAT STANDARDIZED CREDIT REPORTING DISPUTE Date : XX/XX/year> Consumer Information : Legal Name : XXXX XXXX ( XXXX XXXX : XXXX ) Current Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX of Birth : XXXXt 4 Digits of SSN : XXXX Number : XXXX Information Indicator : Individual Consumer ( Base Segment ) To Whom It May Concern : Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am submitting this formal dispute regarding inaccurate information in my consumer report. This letter serves as my official request for investigation, correction, update, freeze, and opt-out in accordance with Metro 2 Format requirements and Credit Reporting XXXX XXXX XXXX XXXX ) standards. 
SPECIFIC DISPUTES AND REQUESTS : XXXX. I request a complete copy of my consumer report, including all information maintained in my file as defined in FCRA 1681g, to be delivered to my address : XXXX XXXX XXXX, XXXX, XXXX  XXXX. 
XXXX. UPDATE REQUEST : Please update my consumer report with the following correct information in compliance with Metro 2 Format specifications : Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Telephone Number : XXXX Consumer Name Format : XXXX, XXXX XXXX. The following information in my consumer report is inaccurate and must be removed or corrected : a. Name Variations : Correct Consumer Information : XXXX, XXXX Correct ECOA Code : 1 All other name variations must be removed b. Contact Information : Correct Telephone Number : XXXX Correct Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX All other telephone numbers and addresses must be removed c. Account Information : Any accounts, inquiries, or trade lines not authorized by me must be removed The appropriate Compliance Condition Code ( XXXX XXXX XXXX ) must be applied to all corrected items XXXX. SECURITY FREEZE REQUEST : I request a COMPLETE SECURITY FREEZE be placed on my file pursuant to FCRA 605A. No information from my file should be released to any party without my express written consent. As required under XXXX XXXX XXXX, please apply the following codes : Special Comment Code : XXXX ( External Collection Block ) Consumer Information Indicator : XXXX  ( Security Freeze ) Account Status : XXXX ( Dispute Filed ) XXXX. OPT-OUT REQUEST : I hereby exercise my right under FCRA 604 ( e ) and 603 ( d ) ( 2 ) ( A ) to OPT OUT of all information sharing. I do not authorize my personal information or data to be shared with any third parties for any purpose, including marketing, promotional offers, or prescreening. 
In accordance with Metro 2 Format and XXXX  requirements, all consumer reporting agencies must maintain accurate information and promptly correct errors. As mandated by these standards, you must complete your investigation and respond within 30 days ( or 45 days if based on information I provide during the 30-day period ). 
All corrections must include the appropriate Metro 2 codes indicating disputed information has been investigated and resolved ( XXXX XXXX XXXX XXXX or XXXX  ). Upon completion of your investigation, please send written confirmation of all actions taken to my address of record. 
Failure to comply with this request may constitute a violation of the FCRA and XXXX standards, which may result in statutory damages, actual damages, punitive damages, and attorneys fees for willful noncompliance. 
Respectfully submitted, [ Signature ] XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation