Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
I am deeply disappointed by the violation of my consumer rights through the provision of inaccurate information. Fair treatment and transparency are crucial to me as a consumer. Please provide detailed information on the shortcomings regarding accuracy and compliance. 

Certification holds no value to me. I prioritize factual and truthful data concerning your company and my credit profile. It is concerning that the credit report I received does not adhere to the necessary standards, raising doubts about its accuracy and proper formatting. 

I urge you to promptly remove any false accounts from my credit report. Timely resolution is essential to prevent future financial consequences. My credit report is of utmost importance, and I expect only accurate, verified, and compliant data to be documented. 

Listed below is the personal information that is being challenged : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Listed below is the account that is being challenged : XXXX XXXX XXXX below are the collections that are being challenged : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I respectfully contest any unverified or undocumented information in my credit report. Compliance with the FCRA and Metro 2 reporting standards is expected. Please provide factual evidence or remove any unproven claims. Mail all supporting documentation and an updated credit report. 

I am deeply disappointed by the inclusion of inaccurate information and the lack of supporting evidence in my credit report. It is crucial to report claims accurately and in accordance with the law. Please provide verifiable evidence to support the existence of each account and the permissible use of my information. Remove all unsupported allegations. I request that physical documentation and an updated credit report be mailed to me, as authorized. 

Listed below is the personal information that is being challenged : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX : Retail Listed below are the collections that are being challenged : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX I am formally disputing any information within my credit report that lacks substantiation or accuracy, invoking both the FCRA and Metro 2 standards. The inclusion of unproven allegations of delinquency or derogatory information violates federal and state laws and demands precise and lawful reporting. Compliance with Metro 2 standards is mandatory, and I insist that you ensure the accuracy and legality of all claims in my credit report. 

Furthermore, I request tangible, verifiable evidence substantiating the existence and lawful use of each account. If such evidence can not be provided, I demand the immediate removal of the account from my credit report. I authorize the physical mailing of documentation that outlines your actions and any updates to my report. 

Listed below is the personal information that is being challenged : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Employer : XXXX  Listed below are the collections that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below is the inquiry that is being challenged : XXXX XXXX XXXX XXXX I respectfully request the removal of inaccurate credit report information and insist that you provide verifiable legal authority justifying its inclusion. If such evidence is not available, I expect a complete deletion in accordance with the Fair Credit Reporting Act. I have no record of providing consent for the above-listed companies to report this data, and I urge you to correct these records immediately to ensure Metro 2 compliance for accurate, complete, and timely reporting.

Additionally, I request that these companies send me a copy of my signed authorization within five ( 5 ) business days. Failure to do so would constitute a violation of the Fair Credit Reporting Act, and I am seeking your assistance in resolving this matter. 

As a valued consumer, I believe it is critical that your databases maintain accurate and up-to-date information about me. I am disappointed that this has not been the case, and I trust you will take the necessary steps to correct the situation promptly. 

Please be advised that my frustration arises from a sincere desire to maintain a fair and transparent relationship with your organization. I appreciate your attention to this matter and look forward to a swift and lawful resolution. 

Finally, I confirm that any letters you may receive bearing my name were authored by me or under my explicit direction and consent. There is no requirement for a Power of Attorney to submit such letters. If you fail to process my letters in a timely manner, I will view it as a deliberate disregard of my rights as a consumer, and I will consult legal counsel to pursue appropriate action.

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