Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Report Date : XX/XX/XXXX Name ( Correct ) : XXXX XXXX Also Known As : Please remove all variations ( XXXX XXXX, XXXX XXXX XXXX ) these are incorrect. 
Former Name ( s ) : None Date of Birth ( Correct ) : XX/XX/XXXX Phone : XXXX Email : XXXX Current Address ( Correct ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please Delete the Following Old Addresses ( No Longer Valid ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers ( Correct ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Birth : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Demand for Human Review Pursuant to the Fair Credit Reporting Act and Related Laws This letter constitutes a formal dispute of inaccurate, incomplete, and unverifiable information on my consumer credit report dated XX/XX/XXXX. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 United States Code Section 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 United States Code Section 1692 et seq., the Health Insurance Portability and Accountability Act ( HIPAA ), Public Law 104-191, the Equal Credit Opportunity Act ( ECOA ), 15 United States Code Section 1691 et seq., and all related federal and state consumer protection laws.

I demand that all investigations be conducted by a live human being, not an automated system such as e-Oscar. This requirement is supported by Cushman v. Trans Union Corporation, 115 F.3d 220 ( Third Circuit, 1997 ), where the Court held that credit reporting agencies must perform a reasonable investigation and not merely rely on automated procedures.

Below I outline each disputed account in full detail. 



Disputed Account Number One XXXX XXXX  Reported Information : Furnisher : XXXX XXXX  Original Creditor : XXXX XXXX XXXX Balance Reported : {$2100.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Seriously Past Due / Collection Factual Inaccuracies and Legal Issues : 1. No validation of this debt has been provided. Pursuant to FDCPA Section 809 ( b ), 15 U.S.C. 1692g ( b ), a consumer has the right to request and receive validation of a debt before it is reported or collected. Reporting prior to validation constitutes a violation of law.

2. This is a medical debt. Reporting medical information without consumer authorization or proper HIPAA release violates the Health Insurance Portability and Accountability Act, Public Law 104-191, 45 C.F.R. 164.508.

3. The account coding in Metro 2 format appears incomplete and inaccurate, specifically
referencing XXXX, which is not a valid Metro 2 code. This violates FCRA Section 607 ( b ), 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in reporting.

4. Failure to provide the original signed agreement or itemized billing statement violates FCRA Section 611 ( a ) ( 1 ), 15 U.S.C. 1681i ( a ) ( 1 ), which requires credit bureaus to reinvestigate disputed information and provide documentation.

Impact on Me : This unvalidated and unlawfully reported medical debt severely lowers my credit score, restricts my access to affordable lending, and causes reputational harm.

Required Remedy : Delete this account entirely from my credit report unless full legal validation, HIPAA-compliant documentation, and accurate Metro 2 reporting codes are provided. 



Disputed Account Number Two XXXX XXXX XXXX Reported Information : Furnisher : XXXX XXXX XXXX Original Creditor : Not listed Balance Reported : {$1200.00} Status : Collection Account Date Reported : XX/XX/XXXX Factual Inaccuracies and Legal Issues : 1. The absence of an original creditor name renders this entry incomplete. This violates FCRA Section 609 ( a ) ( 1 ), 15 U.S.C. 1681g ( a ) ( 1 ), which requires that credit bureaus disclose the source of the information.

2. The balance reported is unverified and unsupported by documentation. Pursuant to FDCPA Section 807 ( 2 ) ( A ), 15 U.S.C. 1692e ( 2 ) ( A ), it is unlawful to misrepresent the character, amount, or legal status of any debt.

3. Reporting without validation violates FDCPA Section 809 ( b ) as noted above.

4. Failure to assure accuracy constitutes a violation of FCRA Section 607 ( b ).

Impact on Me : This unverifiable and incomplete tradeline falsely portrays me as delinquent, reduces my creditworthiness, and causes financial harm.

Required Remedy : Immediate deletion of this tradeline unless complete documentation and Metro 2 compliant reporting are provided.

Disputed Account Number Three XXXX XXXX  Reported Information : Furnisher : XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Reported : {$1100.00} Date Reported : XX/XX/XXXX Status : Collection Factual Inaccuracies and Legal Issues

: 1. This is another medical collection, reported without my written authorization or HIPAA-compliant release. This violates HIPAA, 45 C.F.R. 164.508. 2. No validation of debt has been received, violating FDCPA Section 809 ( b ). 3. The Metro 2 reporting code used does not match industry standards for medical collections, violating FCRA Section 607 ( b ). 4. Inaccurate reporting of high credit as equal to balance violates Metro 2 guidelines, which require specific treatment of medical debt. Impact on Me : The inaccurate reporting of medical information without authorization compromises my privacy rights and lowers my credit rating. Required Remedy : This account must be removed in its entirety unless complete and verifiable proof is provided. Disputed Account Number Four XXXX XXXX XXXX Reported Information : Furnisher : XXXX XXXX XXXX Original Creditor : Not clearly listed Balance Reported : {$830.00} Date Reported : XX/XX/XXXX Status : Collection Factual Inaccuracies and Legal Issues : 1. The account fails to list the original creditor, violating FCRA Section 609 ( a ) ( 1 ).

2. The amount is unverifiable, violating FDCPA Section 807 ( 2 ) ( A ).

3. Lack of validation upon request is a violation of FDCPA Section 809 ( b ).

4. Metro 2 compliance is incomplete, violating FCRA Section 607 ( b ).

Impact on Me : This entry misrepresents my financial standing and causes negative scoring impact.

Required Remedy : Delete this account in full unless original documentation is provided.

Disputed Account Number Five XXXX XXXX XXXX  ( XXXX ), XXXX. 

Reported Information : Creditor : XXXX XXXX XXXX  ( XXXX ), XXXX. 
Account Type : Credit Card Balance Reported : {$4500.00} Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Status : Charged-Off Factual Inaccuracies and Legal Issues : 1. The account status is inconsistent. It is simultaneously reported as Charged Off and Open, which is factually impossible. This violates FCRA Section 607 ( b ).

2. The reporting of balance after charge-off violates FCRA Section 605 ( a ) ( 5 ), 15 U.S.C. 1681c ( a ) ( 5 ), which governs reporting of accounts placed for collection or charged-off.

3. Failure to report accurate Date of First Delinquency constitutes a violation of FCRA Section 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ), which requires furnishers to report the actual date of delinquency to ensure proper 7-year reporting.

4. Without producing the original signed credit agreement and account statements, the account remains unverifiable under FCRA Section 611 ( a ) ( 1 ).

Impact on Me : This inaccurate reporting falsely inflates my outstanding balances, damages my credit score, and restricts my access to credit.

Required Remedy : Delete or correct this account with accurate Metro 2 compliant coding and documentation.

Final Demand ( applies to all accounts ) : You are required to conduct a human review of each disputed account. Do not rely on automated e-Oscar responses. Provide written documentation
with wet signatures verifying each account. Failure to comply within 30 days will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation under FCRA Sections 616 and 617, 15 U.S.C. 1681n and 1681o, which provide for statutory damages of XXXX XXXX XXXX  per violation, actual damages, punitive damages, and attorneys fees.

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