Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : This is my formal dispute of multiple inaccurate or incomplete tradelines contained in my Experian credit file dated XX/XX/year>. These accounts contain Metro-2 structural defects, missing reporting fields, and cross-bureau inconsistencies. 

Disputed Accounts : XXXX. XXXX XXXX XXXX XXXXXXXX Payment history conflict Missing DOFD Missing Original Creditor XXXX. XXXX XXXX ( Closed XXXX ) Missing DOFD Incomplete and inconsistent bankruptcy coding Missing payment history grid XXXX. XXXX XXXX Public Record Linked accounts missing required Metro-2 fields Creates systemic inaccuracy connected to the public record Requested Actions : XXXX. Delete inaccurate accounts under 611 ( a ) ( 5 ). 
XXXX. Provide Method of Verification for each item. 
XXXX. Provide DOFD data under 623 ( a ) ( 5 ). 
XXXX. Correct or delete incomplete bankruptcy-linked data. 

Sincerely, XXXX XXXX XXXX ( Signed ) To Whom It May Concern : I am disputing inaccurate, incomplete, and non-Metro-2-compliant information reported on my TransUnion file dated XX/XX/year>. 

Disputed Accounts : XXXX. XXXX XXXX Missing DOFD Incorrect bankruptcy coding Missing payment history XXXX. CB INDIGO / CCI Missing DOFD Payment history conflict Missing Original Creditor XXXX. XXXX XXXX Missing account type Missing DOFD Unknown payment history XXXX. XXXX XXXX XXXX  ( multiple ) No payment history Missing DOFD Missing Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX  Missing DOFD Incorrect account type Missing collection reporting Requested Actions : XXXX. Delete all accounts listed under 611 ( a ) ( 5 ). 
XXXX. Provide full Method of Verification for each item. 
XXXX. Provide DOFD documentation under 623 ( a ) ( 5 ). 
XXXX. Correct or remove bankruptcy-linked accounts missing Metro-2 fields XXXX 

Sincerely, XXXX XXXX XXXX ( Signed ) To Whom It May Concern : This letter serves as my formal dispute of multiple inaccurate, incomplete, and nonMetro-2-compliant accounts appearing on my Equifax file dated XX/XX/year>. These accounts contain structural reporting errors and missing fields that violate FCRA 607 ( b ), 611, 623 ( a ) ( 5 ), and Metro-2 reporting requirements. 

I dispute the following accounts : XXXX. CB INDIGO / CCI Status conflicts with payment history Missing DOFD Missing Original Creditor XXXX. XXXX XXXX XXXX  ( multiple ) Missing payment history Missing DOFD Missing Original Creditor XXXX. XXXX XXXX XXXX XXXX  Missing account type Missing balance/original balance Missing DOFD Missing payment history XXXX. XXXX XXXX XXXX XXXX  ( all ) Missing DOFD Missing account type and ECOA Missing original balance Missing payment history XXXX XXXX XXXXXXXX XXXX XXXX Missing DOFD Incorrect classification No collection history Requested Actions : XXXX. Delete all inaccurate accounts under 611 ( a ) ( 5 ). 
XXXX. Provide Method of Verification under 611 ( a ) ( 7 ). 
XXXX. Provide DOFD documentation for each account. 
XXXX. Correct or delete accounts where furnisher data is incomplete. 

Sincerely, XXXX XXXX XXXX ( Signed )

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