Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian RE : IMMEDIATE DISPUTE & DEMAND FOR DELETION FCRA 1681i, 1681e ( b ), Metro 2 Compliance Violations To Whom It May Concern : This letter serves as an OFFICIAL DISPUTE under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ). I am demanding a full reinvestigation and deletion of all the below-mentioned accounts which you are irresponsibly reporting on my consumer report dated XX/XX/year> Your continued reporting of derogatory, obsolete, unverifiable, and factually inaccurate information constitutes willful noncompliance under federal law and Metro 2 guidelines. You are now formally notified of these violations, and your failure to resolve them within 30 days of receipt will result in litigation and complaints filed with the FTC, and Attorney General 's Office.

Disputed Accounts & Metro 2 Compliance Failures : XXXX XXXX XXXX XXXXXXXX Status : Charged Off Yet no XXXX XXXX applied. 
Errors : Contradictory remarks, inaccurate charge-off date, and unresolved balance inconsistencies. 
Metro 2 Violation : Missing XXXX XXXX XXXX while under dispute. 
FCRA 1681e ( b ) : Failure to ensure maximum accuracy. 
Demand : Permanent deletion OR apply XXXX XXXX immediately. 
XXXX XXXX Acct # XXXX Status : Charged Off Errors : Reporting as closed due to inactivity while simultaneously stating Charge-off. 
Contradictory data violates XXXX1i and 1681s-2 ( b ) for data accuracy and furnisher accountability. 
Payment history contains misleading late marks beyond charge-off, a Metro 2 violation.

Demand : DELETE for unverifiable, conflicting data or correct with XXXX XXXX and correct reporting as required. 
XXXX XXXX XXXX XXXX Acct # XXXX Status : Charge-Off with XXXX balance. 
Errors : Account reported with derogatory remarks post-payment violating Metro 2 Code BP for Paid After Charge-Off. 
Payment history is completely fabricated post settlement. 
Demand : Deletion or correct with XXXX XXXX and update status to Paid as Agreed. 
XXXX XXXX XXXX XXXXXXXX Errors : Contradictions between payment history, status, and final balance. 
Remarks listed as Charge-Off but no XXXX XXXX code for dispute, nor any XXXX XXXX or XXXX XXXX resolution. 
Demand : Delete due to failure to comply with Metro 2 accuracy standards and improper use of condition codes. 
XXXX Acct XXXX XXXX Status : Charge-Off Errors : Unverified balance amount, no XXXX XXXX  dispute indicator, and payment history inconsistent with reported dates. 
Demand : Delete or correct per Metro 2 and FCRA 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : Charge-Off Errors : Incorrect payment history showing derogatory remarks without accurate DLA matching reporting dates. 
Metro 2 Violation : Improper reporting of charge-off sequence. 
Demand : Delete immediately or apply XXXX XXXX and correct all reporting inaccuracies. 
XXXX XXXX XXXX XXXXXXXX Status : Charge-Off Errors : FCRA 1681c violation reporting is outdated, inaccurate, and conflicting across bureaus. 
Metro 2 Violation : Failure to apply correct compliance codes and furnish up-to-date information. 
Demand : Remove entirely or mark under dispute ( XXXX  ) and provide verified reinvestigation evidence. 
FINAL WARNING : LEGAL ACTION IMMINENT Pursuant to FCRA 1681i ( a ) ( 5 ) ( A ), you must delete unverifiable accounts after reinvestigation. Additionally, you are required to notify all third parties who requested my report in the last six months of any changes. 

Failure to comply will result in : Immediate legal action under 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

Complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). Provide me with written results of your reinvestigation and an updated
report within 30 days as required under 1681i ( a ) ( 6 ) ( B ) ( ii ). 

Sincerely, XXXX XXXX XXXX

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