Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
I am writing to express my deep disappointment regarding the violation of my consumer rights through the dissemination of inaccurate information. Fair and accurate reporting is my right, and I kindly request a detailed explanation of the failures to uphold accuracy and compliance in this matter. 

The credit report I received contains significant inaccuracies, which is particularly concerning given the mandatory adherence to the Fair Credit Reporting Act ( FCRA ) and Metro 2 data field reporting standards. I formally challenge the validity of these reported items and demand that you provide verified, complete, and factual documentation supporting each claim. Any failure to comply with these standards jeopardizes the integrity of my credit data. 

My credit report is essential to my financial well-being, and I respectfully request the immediate removal of all inaccurate information to ensure factual accuracy, proper verification, and full regulatory compliance. 

The following Personal Information is being disputed : Incorrect Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Date of Birth : XXXX Incorrect Name : XXXX XXXX XXXX The following Collections are being disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, I must express my concerns regarding the methodology you employ in handling disputes, as outlined in the documents I have submitted. It is evident that your current dispute handling process is incomplete and fails to meet the required standards outlined by the FCRA and Metro 2 compliance guidelines. These regulations mandate the timely and accurate provision of information to avoid infringing on consumer rights.

I am contesting all unverified, inaccurate, and undocumented information present on my credit report. In accordance with the FCRA and Metro 2 data reporting standards, I can not acknowledge unsubstantiated claims of delinquency without verifiable evidence. Reporting unsupported allegations constitutes a violation of both federal and state laws. 

Please provide verifiable evidence confirming the existence and permissible use of each account. If you can not provide such evidence, I formally request the immediate deletion of these accounts from my credit report. Additionally, I ask that you send me physical documentation detailing your actions and provide an updated credit report. 

Additional Personal Information being disputed : Incorrect Previous Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, NY XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, NY XXXX XXXX Date of Birth : XXXX Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Collections are being disputed : 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  I am also disappointed to discover that you have been responding to consumer disputes with standardized form letters, disregarding the specific information provided. This practice is unlawful under 15 U.S. Code 1681i, which explicitly requires a proper, individualized investigation of each dispute.

The letters I submitted were created using publicly accessible software, making them simple to review and process. Dismissing my submissions on the assumption of third-party assistance is not legally acceptable. As the author of these letters, I expect them to be processed promptly and with due diligence. Failure to do so will be perceived as a deliberate violation of my consumer rights. 

Please be advised that if my dispute is not properly investigated and addressed in a timely manner, I will have no choice but to seek legal counsel and pursue the appropriate legal remedies to protect my rights. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation