Consumer complaint received 2025-06-22 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: DC

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX Pl XXXX Washington XXXX DC XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, This is a formal dispute concerning multiple accounts that are currently being reported on my Experian credit file. These accounts are inaccurate, unverifiable, and being furnished in violation of XXXX XXXX field compliance standards, the e-OSCAR processing protocol, and multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts XXXX. XXXX. of XXXX / XXXX XXXX. XXXX XXXX XXXX XXXX. Bank XXXX XXXX XXXX tradelines are producing inconsistent, fragmented, and misleading data across various reporting periods. I have reviewed your previous verified response and determined that no legally sufficient verification or complete field-level data has been furnished. Therefore, under federal law and industry-standard reporting guidelines, I demand immediate and permanent deletion. 

XXXX XXXX Compliance Failures Each account listed above violates critical XXXX XXXX compliance requirements. These include, but are not limited to : Missing or incorrect Date of First Delinquency ( DOFD ) prevents accurate calculation of the XXXX reporting period No Compliance Condition Code fails to reflect active dispute or resolution status Incomplete or absent Payment History Grid misrepresents tradeline behavior Mismatched Account Status Code shows open when closed, or charged-off with no charge-off details Absent or misused Consumer Information Indicator fails to alert of special handling or disputed data Failure to populate all required XXXX XXXX Base Segment fields, XXXX e-OSCAR dispute automation rules Per Metro XXXX standards, any XXXX XXXX XXXX or more required fields becomes non-reportable and must be deleted not updated. 

FCRA and Consumer Law Violations The accounts listed above also violate several sections of federal law : FCRA XXXX ( b ) You are reporting inaccurate and inconsistent data, which fails the standard of maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) No proper reinvestigation was completed. The generic updated status you returned is not legally compliant FCRA XXXX ( b ) The furnishers have failed to verify, correct, or delete inaccurate data upon notice FCRA 611 ( a ) ( 5 ) Failure to delete unverifiable information within 30 days is a direct violation FCRA 609 ( a ) ( 1 ) You did not supply the full method of verification when requested FDCPA 807 ( 8 ) Continued furnishing of false or unverifiable debt is deceptive and unlawful TILA For accounts involving financial contracts, no itemized disclosures or accurate terms of lending were supplied e-OSCAR System Failure Exposure I am fully aware that Experian uses the e-OSCAR system to process disputes via XXXX XXXX XXXX. However, the tradelines in question : Were not updated using field-level correction logic within the XXXX XXXX XXXX Segment Lack proper dispute code tagging under e-OSCARs regulatory dispute classification system Contain incomplete field mapping, which prevents proper reinvestigation or compliance with CFPB XXXX integrity standards If you continue to verify these accounts without applying the appropriate Metro XXXX XXXX indicators and reinvestigation codes in e-OSCAR, you are enabling an automated system to sustain noncompliant data which constitutes willful and negligent noncompliance under FCRA XXXX and XXXX. 

My Legal Demands XXXX. Permanently delete the above-referenced accounts from my Experian credit file XXXX. Provide a written confirmation of deletion within XXXX calendar days XXXX. Cease and desist from reporting or updating any data related to these accounts unless full legal documentation, XXXX XXXX field compliance, and reinvestigation logs are provided Failure to comply will result in immediate escalation to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Office of the Comptroller of the Currency ( XXXX ) Civil legal proceedings under FCRA 1681n and 1681o for damages I expect full compliance with federal law. If these accounts can not be 100 % verified and formatted according to XXXX XXXX and e-OSCAR standards, they must be removed entirely. 

Sincerely, XXXX XXXX. XXXX XXXX : XXXX DOB : XX/XX/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