Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
I just received my credit report and some accounts on my report are incomplete and inaccurate which is a violation of! 5 USC 1681e ( b ).

The Credit Bureau Experian CFBP and all related creditors have also violated USC 1681 s-2 ( a ) & ( B ) and 15 USC 1681I ( 5 ) ( A ) ( I ) & ( II ). On top of these erroneous violations, the Credit Bureau Experian, CFBP, and all related creditors did not adhere to all FCRA and METRO 2 format reporting standards. Any person who has the ability to fix this matter and fails to will be held liable under 15 usc1681n which is civil liability for willful noncompliance. 
Accounts : XXXX. ( XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX ) Remove the late payments or delete this entire account, which is in violation of Metro 2 reporting standards,15 USC 1681e ( b ). USC 1681 s-2 ( a ) & ( B ) and 15 USC 1681I ( 5 ) ( A ) ( I ) & ( II ). Issue : Multiple late payment records have been reported inaccurately, including entries for XXXX and 60 days past due. This data is inconsistent with my actual payment history and has caused unjustified harm to my creditworthiness.

Legal Violation : Failure to comply with 15 U.S.C. 1681e ( b ) by reporting unverifiable and incorrect information.

Demand : Remove all inaccurate late payment data from my credit report and provide tangible proof if the data is deemed correct. Balance Owed : Incorrectly reported as {$16.00}, which conflicts with Metro 2 reporting standards requiring accurate representation of account details.

Payment Status : Reported as Current ; however, the lack of supporting documentation makes this unverifiable. 
Violation : Failure to meet the FCRA requirement for accurate and complete reporting. 
XXXX. ( XXXX XXXX ( XXXX ) - ( XXXX ) XXXX ) Remove the late payments or delete this entire account, which is in violation of Metro 2 reporting standards,15 USC 1681e ( b ). USC 1681 s-2 ( a ) & ( B ) and 15 USC 1681I ( 5 ) ( A ) ( I ) & ( II ) Credit Limit : Incorrectly reported as {$500.00} when no verifiable evidence has been provided to confirm this.

Account Status : Labeled as Open, yet historical inaccuracies suggest otherwise.

Violation : Misrepresentation of credit terms and lack of compliance with Metro 2 reporting.Issue : Late payments reported for this account are incorrect and lack verifiable documentation from the creditor. 
Legal Violation : These entries violate Metro 2 guidelines for consistent reporting and the FCRAs requirements for verified and accurate information. 
Demand : Delete all late payment records from this account immediately. 
XXXX. ( XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX ) Remove the late payments or delete this entire account, which is in violation of Metro 2 reporting standards,15 USC 1681e ( b ). USC 1681 s-2 ( a ) & ( B ) and 15 USC 1681I ( 5 ) ( A ) ( I ) & ( II ) Issue : Late payment entries marked as 30, 60, and 90 days late are factually incorrect. My payment history does not substantiate these claims, and the creditor has not provided proof of the alleged delinquencies. 
Legal Violation : Reporting unverifiable late payments contravenes the FCRAs requirement for accurate and substantiated reporting.

Demand : Immediate removal of all late payment entries due to lack of evidence and failure to meet Metro 2 reporting standards. Account Type : Misreported as Installment without sufficient verification of this classification.

High Balance : Reported as {$59000.00}, but documentation to substantiate this figure has not been provided. 
Violation : Breach of FCRA and Metro 2 standards for verifying and maintaining accuracy. 
XXXX. ( XXXX ( XXXX ) - ( XXXX ) XXXX ) Remove the late payments or delete this entire account, which is in violation of Metro 2 reporting standards,15 USC 1681e ( b ). USC 1681 s-2 ( a ) & ( B ) and 15 USC 1681I ( 5 ) ( A ) ( I ) & ( II ) Creditor Remarks : Misreported as Credit line closed consumer request. No proof has been provided for this claim.

Date Reported : Inconsistencies in reporting dates raise concerns about data reliability.

Violation : Violations of FCRA and Metro 2 guidelines in reporting critical account details.

Once you have deleted the accounts from my credit report send me a copy of my updated report.

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 non-monetary relief