Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX DOB : XXXX SSN : XXXX Experian Information Solutions , Inc . 
Attn : XXXX XXXX Assistance Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX Subject : Formal Dispute & Fraud Block Demand Violations of FCRA 1681c-2, 607 ( b ), 611, 623 & Metro 2 Standards To Whom It May Concern : On XX/XX/XXXX, I submitted to Experian a valid FTC Identity Theft Report, affidavit, drivers license, and proof of address. Under FCRA 1681c-2 ( a ), Experian was required to block fraudulent tradelines within 4 business days. Instead, you processed my submission as a 611 dispute, which was improper. 



I. Fraudulent Accounts ( FTC Report Experian ) XXXX XXXX Acct XXXX, {$9400.00} XXXX XXXX Acct XXXX, {$1200.00} XXXX XXXX Bank ( Auto Loan ) Acct XXXX, {$14000.00} XXXX XXXX XXXX Acct XXXX, {$10000.00} XXXX XXXX Bank ( Loan ) Acct XXXX, {$4000.00} These must be permanently blocked under 1681c-2. 



II. Additional Negative Accounts ( Metro 2 & FCRA Violations ) 1. XXXX Loan ( {$4000.00} ) XXXX  : XXXX  lates ; XXXX  : XXXX ; XXXX  : XXXX. 
Metro 2 Violation : Payment history inconsistency. 
FCRA 607 ( b ) : Inaccuracy. 
2. XXXX XXXX XXXX ( {$14000.00} XXXX ) XXXX : {$15000.00} past due ; XXXX {$15000.00}. 
Metro 2 Violation : Balance/status inconsistency. 
FCRA 623 ( b ) : Furnisher failed duty to correct. 
3. XXXX XXXX ( {$1200.00} Charge-Off ) XXXX  : FCBA dispute ; XXXX : Dispute resolved; XXXX : Charged off. 
Metro 2 Violation : Inconsistent dispute remarks.

Case Law : Saunders v. BB & T failure to report dispute correctly = inaccurate. 
4. XXXX XXXX ( {$9400.00} Charge-Off ) XXXX : {$9400.00} written off ; XXXX : {$0.00} balance + charge-off. 
Metro 2 Violation : Balance/Status mismatch. 
Case Law : Dennis v. BEH-1 misleading reporting is inaccurate. 
5. Collections ( XXXX XXXX XXXX XXXX ) XXXX  vs XXXX balances inconsistent. 
Metro 2 Violation : DOFD inconsistencies.

III. Legal Basis FCRA 1681c-2 : Fraud block violated.

FCRA 607 ( b ) : Maximum accuracy duty violated.

FCRA 611 ( a ) ( 5 ) : Deletion/reinsertion notice rules violated.

FCRA 609 ( e ) : CRA must accept fraud docs. 
Cushman v. TransUnion ( 1997 ) : CRA must go beyond creditor parroting.

Carvalho v. Equifax ( 2010 ) : CRA liable for legal inaccuracies.

Smith v. LexisNexis ( 2012 ) : Superficial reinvestigation = FCRA violation.

IV. Demands 1. Permanently block fraudulent accounts listed.

2. Delete/correct remaining tradelines.

3. Provide strict proof of verification.

4. Provide corrected report within 30 days.

V. Notice of Litigation Preparedness If Experian fails to comply, I will file suit under FCRA 1681p for damages under 616617, including statutory, actual, and punitive damages plus attorneys fees. Your mishandling of 1681c-2 obligations will be used as evidence of willful noncompliance.

This notice is sent Certified Mail, Return Receipt Requested. 

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