Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I am filing this complaint against the XXXX XXXX XXXX XXXX that continues to publish multiple inaccurate tradelines on my credit report. Despite my formal disputes and subsequent Method of Verification ( MOV ) requests, the CRA re-verified the same items without producing any tangible proof, in violation of federal law. 

Background and Sequence On XX/XX/year>, I submitted my Round XXXX written dispute identifying numerous inaccurate items, including : Accounts not mine / identity theft accounts appearing under my name without any signed agreement or authorization ; Incorrect balances inflated or inconsistent with actual billing statements and payment records ; Incorrect account statuses accounts wrongly reported as charged-off, delinquent, or in collections ; Incorrect dates inaccurate Date Opened, Date of First Delinquency, and Date of Last Activity extending the reporting period ; Duplicate tradelines identical debts reported multiple times under different account numbers ; Furnishers misrepresented XXXX original creditors reporting ownership without lawful assignment documentation. 

The CRAs reinvestigation results, dated [ insert results date ], claimed these accounts were verified or updated. I then exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) by sending a Method of Verification ( MOV ) request demanding copies of all records, data, and documentation used to verify each account, along with the identity of each furnisher contacted. The CRA ignored this request and failed to provide any proof or procedural explanation. Violations The CRAs conduct constitutes systemic non
-compliance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 data-reporting standards : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification or identify the sources used during reinvestigation.

FCRA 611 ( a ) ( 5 ) Failure to delete or correct unverifiable information after reinvestigation.

FCRA 607 ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers and CRAs continuing to report information known or reasonably should be known to be inaccurate.

Metro 2 Compliance Violations Incorrect or missing fields for Account Status, Date Opened, Date of First Delinquency, Date of Last Activity, Balance, and Creditor Type ; duplication of tradelines ; and failure to accurately flag disputed accounts per CDIA guidelines.

Harm to Consumer The CRAs ongoing publication of unverifiable information has caused credit-score suppression, denial of financial opportunities, and reputational harm. The agencys repeated verification without documentary support reflects reckless disregard for consumer rights and systemic procedural failure.

Requested CFPB Action I request that the Consumer Financial Protection Bureau : Investigate the CRAs reinvestigation and verification processes for non-compliance with FCRA 611 ; Compel deletion of all unverifiable and inaccurate items under FCRA 611 ( a ) ( 5 ) ; Require disclosure of the full method of verification and supporting records for each disputed item ; Enforce civil penalties and corrective orders to ensure future adherence to FCRA and Metro 2 standards.

The CRAs failure to provide verifiable evidence and continued publication of false information violates federal law and undermines the integrity of consumer reporting. I request immediate deletion of all inaccurate tradelines and full CFPB enforcement action.

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