Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
You have ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-business-day timeframe mandated under FCRA 605B ( 15 U.S.C. 1681c-2 ). This constitutes willful non-compliance and ongoing violations of my consumer rights. Your continued reporting of demonstrably false, inconsistent, and unverifiable data violates 15 U.S.C. 1681e ( b ) for failing to follow reasonable procedures to assure maximum possible accuracy, 15 U.S.C. 1681i for failing to reinvestigate and delete unverifiable information, and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( B ) for furnishing information known to be inaccurate and failing to correct it. It also violates 12 C.F.R. Part 1022 ( Regulation V ) which mandates furnishers to provide data with integrity and conduct reasonable investigations, as well as the Metro 2 ( CRRG 2020 ) reporting standards which require strict data field consistency for account status, payment history, DOFD, balances, and chronological date accuracy. 

The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX contains payment history, date opened, last activity, and last payment fields that are inconsistent across reporting periods, creating violations of both Metro 2 chronology rules and FCRA 1681e ( b ). The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  contains the same systemic inconsistencies in dates and amounts, rendering the tradeline unverifiable and in violation of 1681e ( b ) and 1681s-2. The account XXXX XXXX XXXXXXXX, number XXXXXXXX XXXX XXXX XXXX XXXX  has not been lawfully verified and its continued reporting without proper validation violates 1681i. The account XXXX XXXX XXXX  number XXXXXXXX XXXX XXXX XXXX XXXX  has already been deleted by other consumer reporting agencies due to lack of verification, making your continued reporting a direct violation of 1681i and a breach of Metro 2 accuracy requirements. The account XXXX XXXX, number XXXXXXXX XXXX XXXX XXXX XXXX  is reporting false delinquency despite being paid as agreed, constituting violations of 1681s-2 and 1666 ( b ) regarding billing errors. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeports balance, status, and date fields that conflict across bureaus with no validation provided, making your continued reporting unlawful under 1681i and 1681s-2. The account XXXX XXXX, number XXXXXXXX XXXX XXXX XXXX XXXX is being reported inconsistently and without verification across all CRAs in violation of both FCRA obligations and Metro 2 data field integrity requirements. 

In addition, you are reporting personal information that is inaccurate and must be corrected immediately. My employer is incorrectly listed as XXXX XXXXXXXX XXXX. My date of birth is incorrectly listed as XXXX. My previous address is incorrectly listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV XXXX. You are also reporting unauthorized and unverified inquiries from XXXX XXXX on XXXX ; XXXX XXXX on XXXX and XXXX ( XXXX entries ) ; XXXX on 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 

If these fraudulent, inaccurate, and unverifiable items are not deleted within fifteen ( 15 ) days of receipt of this notice, I will escalate this matter to the Consumer Financial Protection Bureau, the Federal Trade Commission, my State Attorney General, and private litigation under 15 U.S.C. 1681n and 1681o to pursue actual, statutory, and punitive damages. You are required to send me written confirmation of all deletions and corrections, and for any item you refuse to delete, you must provide the full Method of Verification under 1681i ( a ) ( 7 ), including the name, address, and direct contact of the furnisher and a detailed description of the verification procedures you used. Failure to comply will be treated as continued willful non-compliance and will be pursued to the fullest extent of the law.

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