Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dispute of Inaccurate Personal and Account Information Violation of 15 U.S.C. 1681e ( b ) & Metro 2 Compliance Complainant : Full Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX, LA XXXX Nature of the Complaint I am submitting this complaint to dispute inaccurate and outdated personal and account information that has been reported to the consumer reporting agencies ( CRAs ), in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), and the Metro 2 Compliance Guidelines.

The consumer reporting agencies have a legal duty to ensure maximum possible accuracy in consumer reports. However, I have identified multiple inaccuracies in my personal information and payment history that require immediate correction. 

Disputed Information XXXX. Incorrect Personal Information The following outdated or incorrect personal data is still reflected on my report and must be removed immediately : Incorrect Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Incorrect Name Variations : XXXX XXXX XXXX XXXX XXXX Correction Request : My correct legal name is : XXXX XXXX XXXX XXXX. 
My correct address is : XXXX XXXX XXXX, XXXX, LA XXXX Any outdated addresses or incorrect name variations should be immediately removed per 15 U.S.C. 1681e ( b ). 

XXXX. Inaccurate Account Reporting Violation of 15 U.S.C. 1681e ( b ) Account : XXXX XXXX XXXX ( Account No. XXXXXXXX XXXX XXXX  Disputed Late Payments : XX/XX/XXXX : 120 Days Late ( Incorrect ) XXXX, XXXX, and XX/XX/XXXX : XXXX, XXXX, and XXXX Days Late ( Incorrect ) Issue : These late payments are inaccurate and should not appear on my report. 
Correction Request : Remove these late payments immediately and update my account to reflect timely payments in compliance with the law. 

Account : XXXX  XXXX XXXX ( Account XXXX. XXXX ) ** Disputed Late Payment : XX/XX/XXXX : Reported as 30 Days Late ( Incorrect ) Issue : I have always made timely payments, and this incorrect reporting is negatively impacting my creditworthiness. 
Correction Request : Remove this erroneous late payment immediately. 

Legal Basis for My Complaint XXXX. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy The CRAs are failing to maintain accurate data, which has led to false reporting on my credit file. This violates my rights under the FCRA. 
XXXX. 15 U.S.C. 1681i Failure to Conduct a Reasonable Investigation I have disputed these errors before, but no proper investigation has been conducted, nor have I been provided with verification documents proving the accuracy of the reported data. 
XXXX. Metro 2 Compliance Consumer Reporting Agencies are required to follow Metro 2 reporting standards, ensuring data integrity and consistency. The continued reporting of incorrect addresses, name variations, and late payments suggests non-compliance with these industry guidelines.

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