Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am formally disputing all unsubstantiated, unverifiable, and inaccurate information contained in my consumer credit report, pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and Metro 2 Compliance Reporting Standards. You are hereby placed on formal notice that the following reported information is in direct violation of federal and state law due to your failure to maintain permissible purpose, lawful accuracy, and certified Metro 2 data integrity. 

Accounts Being Challenged : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Violations Include ( but not limited to ) : FCRA 1681b ( Permissible Purpose Violations ) FCRA 1681i ( Failure to Reinvestigate ) FCRA 1681e ( b ) ( Maximum Possible Accuracy Violations ) Metro 2 2020 Credit Reporting Resource Guide Violations FDCPA 807 ( False or Misleading Representations ) Willful Noncompliance under FCRA 1681n My Demands Are As Follows : Provide tangible, physical, and verifiable evidence proving that : You possess original signed contracts bearing my signature. 

You have permissible purpose to report or obtain any information listed above.

All reported data fully complies with Metro 2 standards.

In the absence of full legally verifiable evidence, I demand you immediately DELETE all accounts, collections, inquiries, and inaccurate personal information listed above.

Provide me with a full updated copy of my corrected credit report and written confirmation of deletion via physical mail.

You have XXXX  days under FCRA 1681i ( a ) ( 1 ) ( A ) to complete your reasonable investigation and fully comply with this demand.

Failure to comply will constitute willful noncompliance under FCRA 1681n and 1681o. If your noncompliance causes financial, reputational, or credit damage to me, I will immediately pursue legal remedies. Each separate violation subjects your company to statutory damages of {$1000.00} per violation, plus punitive damages, costs, and attorneys fees. 

If your intentional negligence or continued reporting results in harm, I will not hesitate to initiate both civil and criminal actions where applicable, including but not limited to fraud, identity theft enablement, and violations of consumer protection laws. Your agencys behavior will be presented as willful, injurious, and malicious, as I reserve full legal rights to pursue maximum relief under all applicable statutes.

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