Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Formal Dispute and Willful Noncompliance with FCRA, FDCPA, and Metro 2 Standards by Experian and Data Furnishers This letter serves as formal notice and dispute under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 Compliance Standards, regarding the inaccurate and misleading reporting on my Experian consumer file. 

Upon reviewing my Experian credit report, I have identified multiple inaccuracies and violations of federal law by Experian and its furnishing data providers : XXXX XXXX XXXX XXXX : reporting {$8700.00} and {$7300.00} balances inaccurately. 

XXXX : erroneously reporting a balance of {$180.00}. 

XXXX XXXX XXXX  ( XXXX ) : inaccurate reporting of {$8300.00}. 

XXXX XXXX  : inaccurate reporting of {$910.00}. 

XXXX XXXX XXXX : improper late payment reporting without proof of notice or valid contact attempts. 
Violations Cited Experian is in violation of : FCRA, 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation after receiving notice of a dispute. 

FCRA, 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of the information reported.

FCRA, 15 U.S.C. 1681s-2 ( b ) : Furnisher responsibilities upon notice of dispute, which Experian must oversee.

FDCPA, 15 U.S.C. 1692e and 1692f : Prohibits deceptive practices in collecting or attempting to collect debts.

12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Engaging in unfair, deceptive, or abusive acts or practices under the Dodd-Frank Act. 

Metro 2 Compliance Manual : Requires that tradelines with disputes or settlements be properly coded to reflect their correct status. 

Further, Experian has a statutory duty to delete information it can not verify under FCRA 1681i ( a ) ( 5 ) ( A ). 

Case Law Precedent : Experian 's Known Failures Experian has repeatedly been found liable by courts for willful and negligent noncompliance with the FCRA : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ) Extended to practices of Experian and others regarding misidentification of consumers and misleading reporting. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus can not shield themselves by blindly trusting furnisher data without conducting their own investigations. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) A credit reporting agency must ensure maximum possible accuracy and is liable for negligent reporting. 

XXXX XXXX Experian Information Solutions , Inc., XXXX XXXX XXXX ( XXXX XXXX XXXX ) Experian found liable for failing to properly reinvestigate disputed inaccurate tradelines. 

XXXXXXXX XXXX Experian Information Solutions XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX. XXXX ) Experian sanctioned for willfully reporting inaccurate tradeline statuses even after consumer disputes. 

These cases show Experians pattern of reckless disregard for consumer protection rights under federal law, further supporting my demands. 

Demand for Immediate Corrective Action Pursuant to the FCRA and Metro 2 reporting standards, I demand : Immediate reinvestigation of the disputed accounts listed above. 

Deletion of any account that can not be properly verified within the statutory period. 

Full production of documents and records, including but not limited to : Records of any and all communications with the furnishers regarding these accounts. 

Documents verifying alleged late payments reported by XXXX XXXX. 

Proof of any permissible purpose for reporting these accounts as derogatory. 

Failure to fully comply will constitute willful noncompliance, entitling me to statutory damages, actual damages, punitive damages, and attorneys ' fees under the FCRA, 15 U.S.C. 1681n and 1681o. 

Please complete your reinvestigation within the legally required time frame. Upon failure to comply, I will not hesitate to escalate this matter to litigation and submit formal complaints to the Federal Trade Commission ( FTC ), and the Attorney Generals Office.

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