Consumer complaint received 2025-02-23 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: GA

Complaint narrative:
I am writing to bring to your attention a serious matter concerning the accuracy of the information on my credit report, specifically in regard to the loan accounts listed below. According to the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ) and various consumer protection laws, it is imperative that you physically verify the existence and authenticity of each loan account before reporting it on my credit profile. 

Account Details : XXXX XXXX XXXX XX/XX/XXXX, XXXX {$210.00} XXXX XXXX XXXX  XX/XX/XXXX, XXXX {$4700.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX {$2600.00} XXXX XXXX XXXX  XX/XX/XXXX, XXXX {$10000.00} XXXX XXXX Services XX/XX/XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX  XX/XX/XXXX, XXXX {$3500.00} XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX {$1000.00} XXXX XXXX XXXX  XX/XX/XXXX, XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX {$2100.00} As a responsible consumer, I have taken the necessary steps to review my credit report and identify potential inaccuracies. It is my right as per the FCRA to request verifiable proof of the loan accounts in question, which should be in the form of original, signed customer contracts ( promissory notes ) bearing my signature. By complying with this lawful request, you will be demonstrating your adherence to consumer protection laws and ensuring the accuracy and fairness of the information in my credit report. 

In light of the importance of accurate credit reporting, I demand that you promptly investigate the validity of the disputed accounts and provide me with the required verifiable proof within the timeframe specified by the FCRA. Failure to do so will result in a violation of my consumer rights under the FCRA and other relevant laws, which may lead to legal consequences for your organization.

Moreover, I am also bringing to your attention the Metro 2 Reporting Guidelines, which govern the reporting of credit information. It is essential that you adhere to these guidelines to ensure the integrity and reliability of credit reporting data.

According to the Metro 2 guidelines, you are obliged to report accurate and complete information, and upon receiving a dispute from a consumer, you must conduct a thorough investigation and correct any inaccuracies promptly. Therefore, I request that you take immediate action to verify the disputed accounts and, if unable to provide verifiable proof, proceed to delete them from my credit report in accordance with both the FCRA and the Metro 2 laws. 15 USC 1692 ( C ) I understand that resolving credit disputes is a legal obligation for credit bureaus, and I expect your full cooperation in this matter. Please provide me with written confirmation of the initiation of the investigation and the results thereof, along with any necessary corrections made to my credit report. 

Thank you for your attention to this matter. I trust that you will handle this dispute in accordance with the laws and regulations set forth to protect consumers like myself. Your timely response and resolution are appreciated.

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