Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute of inaccurate, incomplete, and unverifiable information reporting on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy ; - 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete or correct inaccurate or unverifiable information after reinvestigation ; - FCRA 611 Rights to dispute and correct consumer reports.

As required under Metro 2 compliance and federal law, you are hereby notified that I am demanding an immediate reinvestigation and deletion of all accounts and personal identifiers outlined below. 


PERSONAL INFORMATION TO BE DELETED OR CORRECTED : - Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX - Incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  variations, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - Incorrect Phone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ACCOUNTS TO BE DISPUTED AND DELETED FOR INACCURACIES : XXXX. XXXX XXXX XXXX - Acct # : XXXX - Balance : {$1600.00} ( reported across Experian, XXXX, and XXXX  ) - Violations : Conflicting DOFD ( XX/XX/XXXX vs XX/XX/XXXX ), continued reporting post charge-off, Metro 2 violation ( balance on charged-off account ). 

XXXX XXXX XXXX XXXX XXXX 
- Acct # : XXXX - XXXX : {$590.00} - Violations : Conflicting balances, continued reporting post charge-off, unverifiable. 

XXXX XXXX XXXX XXXX XXXX - Acct # : XXXX - Balance : {$1100.00} - Violations : No original creditor contract, potentially medical debt subject to HIPAA. Reporting in violation of Metro 2. 

XXXX. XXXX XXXX XXXX - Acct # : XXXX - Balance : {$15000.00} - Status : Charged-off with continued balance reporting - Violations : Continued balance reporting after charge-off, inconsistent DOFD, inaccurate reporting across 3 bureaus.

LEGAL BASIS FOR THIS DISPUTE : 
Additional Violations Found : - Medical Collection : The account from FIRST FEDERAL CREDIT CONTROL is a medical debt allegedly originating from EMERGENCY PHYS OF CE. Under HIPAA ( 45 CFR 164.502 ), you must not disclose medical information without proper authorization. Additionally, under FCRA 1681c ( a ) ( 6 ), paid medical debts under {$500.00} must be removed. Even if unpaid, validation and HIPAA compliance is required. 

- Charge-Off Violations : XXXX XXXX XXXX continues to report a balance of {$15000.00} after charge-off. Under Metro 2 and FCRA 1681e ( b ), this constitutes inaccurate reporting. Once an account is charged off, it should not continue reporting a balance unless reaffirmed by contract. 

- XXXX XXXX and XXXX are also reporting balances post-charge-off, conflicting DOFDs across Experian, XXXX, and XXXX. This is another FCRA 1681e ( b ) violation for failure to ensure maximum accuracy.

Under FCRA 1681e ( b ), you are required to ensure maximum possible accuracy. Under 1681i ( a ) ( 5 ) ( A ), any unverifiable, inaccurate, or outdated information must be deleted. These accounts show serious violations of those provisions including conflicting reporting dates, charge-offs with balances, and identity mix-ups. Failure to fully delete or correct this data will result in formal complaints being filed with the CFPB and civil litigation being pursued. 

If you fail to correct or delete these accounts within the statutory timeframe, I will file complaints with the CFPB, BBB, and pursue legal action under FCRA violations including damages. I have preserved copies of this report and correspondence for legal review

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