Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
The deletion or blocking of accounts due to potential unauthorized inquiries or potential fraudulent activity is governed by FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute the accounts listed on my consumer credit report, which may stem from potential fraud or unauthorized activity. I request concrete evidence bearing my signature or electronic signature. I assert that these actions may infringe upon my consumer rights under the Fair Credit Reporting Act Section 604 ( 15 U.S.C. 1681b ). It is imperative to note that these actions may have been initiated without proper validation or original documentation from the reporting companies. 

Listed below are the accounts that are being challenged : XXXXXXXX XXXX XXXXXXXX you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your companys office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required five-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the accounts that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like to formally request the expeditious removal of any derogatory accounts from my consumer credit reports, particularly those that fail to meet the criteria of being verifiably true, accurate, complete, timely, my own, my responsibility, or compliant with the Metro 2 Data Field Formatted Reporting Standards as mandated by both state and federal reporting laws, specifically the Fair Credit Reporting Act. I wish to draw your attention to the stipulated 30-day investigation timeline in accordance with the Fair Credit Reporting Act. I anticipate your conscientious efforts in restoring lawful, accurate, complete, and timely reporting, and the subsequent removal of the aforementioned accounts from my updated credit report.

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