Consumer complaint received 2025-06-11 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: NJ

Complaint narrative:
I wish to formally dispute any inaccurate or unsubstantiated information present on my credit report, in alignment with the Fair Credit Reporting Act ( FCRA ) and the established Metro 2 data field reporting standard. It is imperative that all claims adhere to federal and state laws, ensuring factual and precise reporting. I kindly request you to furnish verifiable evidence supporting the account 's existence and lawful usage. Should this not be feasible, I request its removal from the report, and I grant authorization for the mailing of physical documentation detailing your actions and my updated credit report. 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged : XXXXXXXX XXXX XXXX XXXX I am writing to express my profound dissatisfaction with the current state of the information pertaining to XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX within your database. It is disheartening to note that the provided data lacks currency and fails to adhere to the essential benchmarks of accuracy. I implore you to address this matter with the utmost urgency. Failure to rectify this situation in a timely manner may leave me with no choice but to pursue legal recourse. It is imperative to emphasize that erroneous and flawed data should have no bearing within your esteemed database or on my credit report. Consequently, I earnestly request the immediate deletion of said information. 

I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report.

I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether.

I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

Listed below are the Personal Information that are being challenged : XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Employer XXXX XXXX Incorrect Previous Address XXXX XXXX XXXX, XXXX XXXX, NJ XXXX In simple terms, I demand that you remove the aforementioned inquiry claims from your reporting unless you can provide me with physical evidence that these claims comply with all applicable regulations, statutes, laws, and compliance standards relevant to both state and federal laws. 

I would like to kindly bring to your attention the importance of the accuracy of my personal information on record. As such, I respectfully request that you update your database to reflect my sole address, which is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New Jersey, XXXX. I kindly ask that you remove any other addresses that do not match the one provided in this letter from your system. 

Your prompt attention to this matter would be greatly appreciated, as I rely on your institution to maintain my personal information with the utmost care and diligence. Thank you in advance for your cooperation. 

I have included my Personal Tracking Number in this notice, which is located in the heading of this same document. I require your prompt response to this consumer complaint and demand that you only retain claims for reporting that are certifiably compliant and eliminate any that are not. 

If you have evidence certifying my authorization for the above-mentioned reporters to inquire into my credit profile history, please send me that proof. Thank you in advance.

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