Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am asking you to please review your data on file for me and ensure that it is accurate and up to date. I am relying on you to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards to ensure that all information in my credit report is correct. If you find any inaccuracies or deficiencies in the reporting, please correct them immediately. Thank you for your cooperation in this matter. 
XXXX XXXX XXXX Experian Account # : Account Rating : Account Type : Closed Date : Creditor Remarks : XXXX CollectionOrChargeOff Installment- UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR Date Opened : Date of Last Activity : High Balance : Last Verified : XXXX XXXX {$5000.00} XXXX Payment Amount : - Payment Status : CollectionOrChargeOff Loan Type : Unsecured Experian Account Description : Individual Account Status : Balance Owed : Credit Limit : Creditor Type : Date Reported : Dispute Status : Last Payment : Closed XXXX XXXXXXXX Finance XXXX N- Past Due Amount : - Payment- XXXX Frequency : Term Length : I found a mistake with account XXXX XXXX XXXX  ( XXXX I found a mistake with account XXXX XXXX XXXX ( XXXX ) on my credit report. Its listed as CollectionOrChargeOff with dates XXXX and XXXX. This error hurts my loan chances. 
According to 15 U.S.C. 1681e, this must be fixed. In 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 ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), it was made clear errors need correcting. Please delete this account and send proof of the {$4500.00}.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided
timely so that none of my rights are violated Yours Truly XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX, NY XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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