Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FORMAL METRO-2 COMPLIANCE AUDIT DEMAND XXXX XXXX XXXX Immediate Deletion Required for Procedural Deficiencies To Whom It May Concern, This is a formal demand for a Metro-2 Compliance Audit of the account reported by XXXX XXXX XXXX. The account currently appearing on my Experian file is inaccurate, incomplete, and violates multiple sections of federal law, including : FCRA 602 ( A ) Maximum Accuracy Requirement FCRA 607 ( b ) Duty to Maintain Reasonable Procedures for Accuracy FCRA 611 Reinvestigation Requirement FCRA 623 ( a ) ( 1 ) Furnisher Duty to Report Accurate Information FCRA 623 ( a ) ( 2 ) Duty to Correct and Update FCRA 623 ( a ) ( 5 ) Charge-Off/Collection Date Reporting Accuracy Metro 2 Credit Reporting Resource Guide ( CRRG ) Compliance SPECIFIC METRO-2 VIOLATIONS ( Deletion Required ) I am demanding deletion because XXXX reporting fails to meet required Metro-2 standards, including but not limited to : XXXX. Inconsistent or altered account numbers Metro-2 Field 14 violation XXXX is required to report XXXX permanent, unchanging account number. 
Any alteration = automatic deletion because identity can not be verified. 

XXXX. Missing or inaccurate ECOA Code Metro-2 Field XXXX violation If Experian can not show EXACT ECOA coding provided by XXXX, the item is invalid. 

XXXX. Incorrect or unverifiable Date of First Delinquency ( DOFD ) This violates both Metro-2 Field 25 and FCRA 623 ( a ) ( 5 ).

XXXX. Any discrepancy between Experian, XXXX, or XXXX  Metro-2 requires uniform reporting across all CRAs. 
If the XXXX bureaus dont match, Experian must delete the item. 

XXXX. XXXX must supply COMPLETE data Experian may not insert, guess, or modify data Under FCRA 623 ( a ) ( 2 ), if XXXX can not furnish all required Metro-2 fields, the account becomes legally unverifiable and must be deleted. 

DEMAND FOR FULL AUDIT & DOCUMENTATION I hereby demand that Experian obtain full documentation from XXXX, including : Full and original account number ( partial/abbreviated is not acceptable ) Signed original contract with my wet-ink signature Full payment history in Metro-2 format Date of XXXX  Delinquency as provided directly by XXXX All Metro-2 fields reported by XXXX XXXX XXXX Portfolio Type Account Type Compliance Code ECOA Code Current Status Payment Rating Special Comment Code FCRA Compliance Code If XXXX can not verify every single field, not estimated or partially supplied, then Experian must delete the account immediately under : FCRA 611 ( a ) ( 5 ) ( A ) Failure to Verify = Mandatory Deletion CEASE & DESIST NO STALLING LETTERS Any Experian letter claiming you need : additional identification, updated address, delays from furnishers, processing time, is considered a stalling tactic and violates : FCRA 611 ( a ) ( 2 ) OCR 15 USC 1681i ( a ) I have already supplied adequate identification. 
You are prohibited from delaying this reinvestigation further. 

DEMAND FOR DELETION If Experian or XXXX can not verify : -The full account number -The original contract -Exact Metro-2 fields -Accurate DOFD -Uniform reporting across all bureaus Then this account is unverifiable under federal law and must be deleted within XXXX  days. 

Failure to comply will result in : CFPB complaint FTC complaint Georgia Attorney General complaint Potential civil action under FCRA 616 and 617 I expect full deletion of this Lendmark account if it can not be verified to strict Metro-2 standards.

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