Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
METRO 2 VIOLATIONS, IDENTITY ERRORS, AND NON-COMPLIANCE WITH FEDERAL LAW THAT EXPERIAN IS REPORTING ON MY CONSUMER FILE.

I AM WRITING TO FORMALLY DISPUTE MULTIPLE ACCURACY AND COMPLIANCE FAILURES ON MY CREDIT REPORT IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( 15 U.S. CODE 1681 ET SEQ ), METRO 2 DATA REPORTING STANDARDS, AND OTHER FEDERAL CONSUMER PROTECTION LAWS.

1. INCORRECT PERSONAL IDENTIFIERS YOUR FILE SHOWS SEVERAL VARIATIONS OF MY NAME, ADDRESSES, AND EMPLOYMENT WHICH ARE FALSE AND MISLEADING : INCORRECT NAMES LISTED : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CORRECT LEGAL NAME : XXXX XXXX INCORRECT ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INCORRECT EMPLOYERS : XXXX XXXX XXXX XXXX XXXXXXXX ( NEVER WORKED HERE ) UNDER FCRA 1681E ( B ), YOU ARE REQUIRED TO FOLLOW PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY. REPORTING WRONG NAME VARIATIONS, ADDRESSES, AND EMPLOYERS IS A DIRECT VIOLATION. I DEMAND REMOVAL OF ALL INCORRECT PERSONAL DATA.

2. METRO 2 COMPLIANCE VIOLATIONS I HAVE IDENTIFIED THE FOLLOWING ACCOUNTS ON MY CREDIT FILE THAT FAIL TO COMPLY WITH METRO 2 GUIDELINES AND FEDERAL LAW : NATIONAL CREDIT SYSTEM : MISSING DATE OF FIRST DELINQUENCY ( DOFD ) ; INCONSISTENT STATUS CODES ; DUPLICATE REPORTING FORMATS. 

XXXX XXXX XXXX  XXXX : PAST DUE AMOUNT REPORTED ON CLOSED ACCOUNT METRO 2 STATES CLOSED ACCOUNTS MUST REFLECT {$0.00} PAST DUE. 

XXXX XXXX XXXX : REPORTING " OPEN '' STATUS FOR COLLECTION ACCOUNT WITHOUT PAYMENT TERMS OR DOFD. 

XXXX : CHARGE-OFF REPORTED WITHOUT REQUIRED DOFD OR VALID STATUS ALIGNMENT. 

XXXX XXXX XXXX XXXX IMPROPER USE OF DELINQUENCY CODES NOT ALIGNED WITH PAYMENT HISTORY VIOLATES CONSUMER INFORMATION INDICATOR ( FIELD 17 ). 

XXXX XXXX XXXX : INCONSISTENT DATES OF LAST ACTIVITY BETWEEN BUREAUS ; MISSING DOFD. 

XXXX XXXX XXXX : RE-AGING OF DEBT BY RESETTING DATE LAST ACTIVE WITHOUT NEW PAYMENT ACTIVITY VIOLATES FCRA 623 ( A ) ( 5 ). 

XXXX : CLOSED ACCOUNT STILL REPORTING BALANCE AND PAST DUE AMOUNT VIOLATION OF METRO 2 CLOSED ACCOUNT RULES. 

CREDIT COLL ( PROGRESSIVE ) : MISSING DOFD ; INCOMPLETE FURNISHER IDENTIFICATION FIELDS. 

PORTFOLIO RECOV ASSOC : DUPLICATE ACCOUNTS FOR SAME ORIGINAL DEBT REPORTED IN MULTIPLE VARIATIONS VIOLATION OF FCRA 1681S-2 ( B ).

3. IDENTITY THEFT AND UNLAWFUL FURNISHING I HAVE PREVIOUSLY PLACED INITIAL FRAUD ALERTS AND SUBMITTED DOCUMENTATION UNDER FCRA 1681C-1. CONTINUING TO REPORT FRAUDULENT ACCOUNTS AND INCORRECT DATA AFTER RECEIVING MY IDENTITY THEFT REPORT CONSTITUTES WILLFUL NONCOMPLIANCE, AS DESCRIBED IN 15 USC 1681N AND 15 USC 1681S-2 ( A ).

REQUEST FOR ACTION UNDER FCRA 611 AND METRO 2 GUIDELINES, I AM REQUESTING THE FOLLOWING WITHIN 4 DAYS : DELETE OR CORRECT ALL INACCURATE ACCOUNTS AND PERSONAL IDENTIFIERS PROVIDE WRITTEN VERIFICATION AND SUPPORTING DOCUMENTS FOR EACH ACCOUNT IDENTIFY ALL PARTIES THAT FURNISHED THE DISPUTED INFORMATION BLOCK ALL FRAUDULENT ACCOUNTS REPORTED IN CONNECTION WITH IDENTITY THEFT FAILURE TO COMPLY WILL RESULT IN FORMAL COMPLAINTS TO THE FTC, STATE ATTORNEY GENERAL, AND CIVIL LITIGATION UNDER FCRA 1681N AND 1681O FOR DAMAGES AND INJUNCTIVE RELIEF.

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