Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
This letter serves as a formal Round 1 dispute and affidavit under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance guidelines. I am disputing the following negative accounts currently reporting under the name XXXX XXXX, which is no longer my legal name. My current and correct legal name is XXXX XXXX. 

The continued reporting of these accounts under an outdated identity, without proper verification or contractual evidence, violates multiple consumer protection laws : 1. * * FCRA 1681e ( b ) * * You must maintain the maximum possible accuracy of the data you report. Reporting unverifiable or mixed-name data violates this statute.

2. * * FCRA 1681i ( a ) ( 1 ) ( A ) * * You must conduct a reasonable investigation and provide competent, original evidencenot just a data match.

3. * * FCRA 1681i ( a ) ( 5 ) ( A ) * * If information can not be verified with original documentation, it must be deleted.

4. * * FCRA 609 ( a ) ( 1 ) * * I have the right to request full disclosure of the data and documents used to furnish this account, including a signed agreement.

5. * * FCRA 611 ( 15 USC 1681i ) * * I am formally exercising my right to dispute and correct inaccurate or incomplete information.

6. * * FDCPA 1692g * * Debt collectors are required to validate debts upon request, with complete documentation.

7. * * Metro 2 Compliance * * Charge-offs must not report a balance unless they are legally collectible with documentation. Any error in balance or status reporting is a violation. 

Disputed Accounts : XXXX XXXX XXXX ( XXXX  ) - Account # : XXXX - Balance : {$560.00} - Opened : XX/XX/year> - Dispute : No contract, no billing statement, unverifiable. 

XXXX XXXX XXXX ( XXXX XXXX XXXX  ) - Account # : XXXX - Balance : {$850.00} - Opened : XX/XX/year> - Dispute : Debt buyer reporting with no chain of title or validation. Must delete. 

XXXX XXXX XXXX- Account # : XXXX - Balance : {$800.00} - Status : Charge-off - Dispute : Balance still reporting after charge-off. Metro 2 violation. No contract provided.

Requested Action : 1. Permanently delete the above accounts unless they can be validated with original signed agreements. 
2. Update my file to reflect my legal name : XXXX XXXX. 
3. Remove any inaccurate or outdated address or personal information.

4. Provide a revised credit report upon completion of your investigation.

Included in this dispute package : - Government-issued photo ID showing XXXX XXXX - Social Security card - Utility bill verifying current address Failure to comply with your obligations under FCRA 611 will result in a formal complaint to the CFPB and FTC, and civil litigation under FCRA 616 and 617 for willful and negligent violations

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