Consumer complaint received 2025-06-06 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: MD

Complaint narrative:
I wish to formally dispute any unverified or inaccurately documented information in my credit report, aligning my actions with the Fair Credit Reporting Act ( FCRA ) and the established Metro 2 data field reporting standard. The allegation of delinquency and derogatory information can not be accepted without concrete evidence, thus prompting my challenge of their reportability as per federal and state legal requirements. In adherence to these legal standards, I kindly urge you to ensure the factual and precise reporting of all claims in accordance with the Metro 2 reporting standard. Additionally, I request that you furnish verifiable evidence supporting the existence of the account and its legitimate usage. Should such evidence not be provided, I hereby authorize the removal of this account from my credit report and request that you send me physical documentation detailing your actions and the updated credit report. Your prompt attention to this matter is anticipated. Listed below are the accounts that are being challenged : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Delete this account immediately for willful noncompliance with FCRA 1681i ( a ) and 1681e ( b ). You failed to follow Metro 2 reporting standards by listing inaccurate payment status and balance after full settlement. This inaccurate reporting violates your duty to maintain accurate and complete information. The account already shows deletion from Equifax and XXXX due to the Equifax data breachwhy does it still appear on this report? You must delete this item permanently to comply with consumer protection laws and correct your records. Why keep reporting an account that no longer exists or is inaccurate? Your continued reporting harms my credit unfairly and breaches federal law. Delete it now Listed below are the collections that are being challenged : XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX Delete the revolving derogatory account on Equifax immediately for willful noncompliance with FCRA 1681i ( a ), 1681e ( b ), and 1681s-2 ( b ). You report conflicting information across bureausUnknown Credit Card Paid on Experian and the derogatory account on Equifaxviolating Metro 2 standards for accurate and consistent reporting. The account already shows deletion from XXXXXXXX and the Equifax data breach impacted its accuracy. Why keep reporting contradictory and inaccurate data that harms my credit? You break federal law by refusing to delete this item. Delete it now and correct your records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this revolving derogatory account immediately for willful noncompliance with FCRA 1681i ( a ), 1681e ( b ), and 1681s-2 ( b ). You continue reporting a XXXX balance account already deleted by XXXXXXXX ignoring Metro 2 reporting standards. The Equifax data breach impacted this accounts accuracywhy does it still appear on my report? You violate federal law by failing to delete inaccurate information. Why report what no longer exists? Delete this item now to comply with your legal duties and stop damaging my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this installment derogatory account immediately for willful noncompliance with FCRA 1681i ( a ), 1681e ( b ), and 1681s-2 ( b ). You reported a? Repo? payment status with a zero balance inaccurately, violating Metro 2 standards for accurate data reporting. This account already shows deletion from Experian and XXXX due to the Equifax data breach? why does it still appear on this report? Your failure to delete it now breaks federal law and unfairly harms my credit unfairly. Why keep reporting information that no longer exists or is inaccurate? Delete this item permanently to comply with your legal obligations. I express deep disappointment regarding the consistent use of generic form letters in response to consumer disputes, regardless of their specific details. This practice is illegal, as each dispute necessitates individual attention and evaluation. My letters were generated using universally accessible software. Failing to process them would signify a violation of 15 U.S. Code 1681i. Please be aware that delaying consumer letters based on presumptions of third-party aid is not a legally acceptable exemption. As the author of any letters bearing my name, I strongly perceive a lack of consideration for my consumer rights should my letters remain unaddressed. In such a circumstance, I will be compelled to involve legal representation to pursue appropriate actions. This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation. The accounts I am disputing are as follows : Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX The reasons for this dispute are as follows : Violation of FCRA Sections 1681e ( b ) and 1681i ( a ) : Under the FCRA, specifically Sections 1681e ( b ) and 1681i ( a ), you are legally obligated to ensure that all information in my credit report is accurate, complete, and verifiable. Recent lawsuits against both Experian and Equifax have proven that your company has failed to meet these obligations. I am holding you responsible for failing to follow reasonable procedures to assure maximum possible accuracy in the reporting of my information. Failure to Verify and Investigate Properly : The accounts listed above are either inaccurate or unverifiable. Section 1681i of the FCRA requires you to investigate any disputed item within 30 days of receipt of this letter. If you can not verify these accounts or if they do not meet the legal standards for reporting, they must be removed immediately from my credit report. Recent Legal Action and Non-Compliance : In light of the recent lawsuits where Experian and Equifax were found to be in violation of the FCRA by failing to ensure the accuracy of credit reports, I am demanding immediate action. Your failure to properly verify and investigate these accounts is unacceptable, and I will not tolerate the continued presence of inaccurate information on my credit file. As required by law, you have 30 days to complete your investigation and provide me with the results. If these accounts can not be verified or if the investigation is not conducted properly, you must immediately delete these items from my credit report and notify me of such action. If this matter is not resolved within the statutory time frame, I will not hesitate to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing all available legal remedies. I expect a prompt and thorough investigation and resolution. If you require any additional information, I am prepared to provide it, but I expect nothing less than full compliance with the law.

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