Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
Subject : URGENT DISPUTE Notice of Pending Litigation and final settlement offer seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( civil liability for willful noncompliance ), 15 U.S. Code 1681o ( civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( civil liability ), Notice of FCRA Violations and Metro-2 noncompliance. Demand for correction of Inaccurate Credit Report information. 
Dear Experian, My full legal name and only name that should be represented on my credit report is XXXX XXXX XXXX XXXX. Must have XXXX numeral XXXX on all legal documentation connected to my social security number XXXX, and my address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl XXXX. All accounts connected to names that have a likeness to mine but are not mine must be removed. My Experian credit report is not accurate with my Transunion and XXXX reports. It has been past 90 days and these fraudulent negative accounts that I did not authorize have not been validated and by law must be deleted and removed off my credit report. This is my fourth time reaching out to you in response to your incorrect and inaccurate reporting of fraudulent closed accounts on my credit report. This erroneous information negatively impacts my credit and is hurting my ability to apply for financing and take care of my family during this horrible post covid-19 pandemic economy. I have already went to the police station and if these negative accounts are not removed, I will be sending a police report with this affidavit and will be forced to take further legal action. Per section 609 ( a ) ( 1 ) of the fair credit reporting act ( FCRA ) you are required by federal law to verify all accounts posted on my credit report and only report accurate information. I request all verifiable proof you have on file for the following accounts. If you can not provide evidence justifying the presence of these accounts on my credit report, you are required to quickly remove them. It has been past the 30-day limit since I opened my dispute against these accounts, and I request that the following accounts be verified or removed expeditiously. 
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
I am writing to file a formal complaint and open disputes regarding several Metro 2 violations and inaccuracies in my credit report provided by TransUnion, Experian, and XXXX  credit reporting agencies. The following information outlines these violations, highlighting the inconsistency with the Credit Data Industry Association ( CDIA ) reporting standards and violations of the Fair Credit Reporting Act ( FCRA ). 
Date of Credit Report : XX/XX/XXXX The following sections outline the issues observed in my credit report, including discrepancies in reporting, non-compliance with Metro 2 standards, and violations of FCRA laws. Violations and Discrepancies Inaccurate Personal Information : My credit report contains incorrect personal information. This includes my name and address, which should reflect accurate and updated data. Please remove any information that does not match the following : Correct Name : XXXX XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX These inconsistencies violate FCRA 's requirements for accurate and fair reporting. 
Specific Account Discrepancies : The following accounts contain multiple discrepancies and inconsistencies with Metro 2 standards. Please review the information provided and remove these accounts if they do not comply with established standards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon legal review, this tradeline presents multiple violations of the Fair Credit Reporting Act ( FCRA ) and industry-standard Metro 2 reporting guidelines. Specifically, the accountnow closed and reporting a {$0.00} balancereflects four ( 4 ) derogatory late payments spanning XXXX and XXXX ( including XXXX, XXXX, XXXX, and XXXX ), despite the absence of any verifiable billing statements, notices of default, or substantiating documents. This reporting is facially inaccurate and materially misleading, and therefore in violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain procedures to assure maximum possible accuracy. Moreover, prior dispute notations are visible within the comments section, triggering 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ), which require the furnisher to conduct a lawful reinvestigation and cease reporting unverifiable data. No such validation has been provided to date. 
From a compliance perspective, this account further fails to meet Metro 2 specifications. The data furnisher reports a highest balance of {$510.00} on a credit line of only $ XXXX discrepancy that is mathematically inconsistent and violates the CDIA 's guidelines for high credit and credit limit fields. Additionally, the absence of fields such as monthly payment amount, terms, and a clear delinquency timeline renders this tradeline noncompliant under the Metro 2 Format ( Section 6.1 and 6.2 ). Finally, the notation that the account was closed at the credit grantors request while derogatory payment history remains on file is prejudicial and misleading, particularly given that the account is paid in full. Therefore, I formally demand either : 1. The immediate and permanent deletion of all negative payment history associated with this closed tradeline, or 2. Total removal of the account from all consumer reports, as it continues to cause undue harm, is unverified, and materially violates federal law and reporting standards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Upon legal review, the reporting of the above-referenced XXXX Auto tradeline contains multiple substantive violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and fails to conform to the Consumer Data Industry Association 's ( CDIA ) Metro 2 Format Guidelines. This account reflects materially false and misleading information across several reporting fields. 
First, the tradeline reports an outstanding past-due balance of {$21000.00} while simultaneously reflecting a charge-off with {$21000.00} written off, creating a fundamental contradiction. The payment history section improperly reflects 18 consecutive months of derogatory marks ( 30, 60, 90, CO, R statuses ), with no corresponding documentation to substantiate such delinquencies, violating 15 U.S.C. 1681e ( b ), which requires that all data reported to consumer reporting agencies be complete and accurate. Moreover, the reinsertion of this tradelineafter being previously deleted by Experian and permanently deleted by XXXX done without the required reinvestigation notice under 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ) ( ii ), constituting a serious breach of the consumers statutory rights. 
Moreover, the account violates Metro 2 formatting requirements by reporting a {$0.00} credit limit on a {$59000.00} auto loan, failing to include original creditor information, payment terms, or any documentation of collateral sale or UCC-compliant post-default notices. There is no verification of the deficiency balance, nor any proof to validate the alleged late payments, which span from XXXX with erratic, inconsistent codes ( e.g., R, CO, XX/XX/XXXX ). The Last Payment Date of XX/XX/XXXX, directly contradicts the charge-off status and timeline. 
In addition, the furnisher has repeatedly failed to verify this account upon prior disputes as required by 15 U.S.C. 1681s-2 ( b ). No response has ever included original loan documents, payment ledgers, UCC post-sale accounting ( as required under 9-610 ), or proof of lawful collateral disposition under 9-611. There is also no record of an original creditor listed, nor any terms, payment amount, or charge-off methodology, rendering the account incomplete and non-compliant with the Metro 2 Format ( Sections 3 and 6 ). 
Legal Remedy Demanded : Due to these unresolved violations, I hereby demand one of the following corrective actions, consistent with federal law : A. Permanent deletion of the XXXX Auto tradeline from my Experian credit report ; OR B. Immediate correction and removal of all late payment entries, charge-off designations, and any negative status indicators dating back to the accounts origination, along with delivery of written validation under 1681i ( a ) within 15 calendar days. 
Failure to comply may result in legal escalation, including civil action pursuant to 15 U.S.C. 1681n and 1681o, for willful and/or negligent noncompliance with the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : This account, now closed, reflects materially inaccurate and unverifiable derogatory data in direct violation of the Fair Credit Reporting Act ( FCRA ) and CDIA Metro 2 guidelines. The tradeline reports two late paymentsXXXX and XXXX XXXXon a {$25000.00} secured loan with no supporting documentation or verifiable billing history, which constitutes a failure to maintain accurate procedures under 15 U.S.C. 1681e ( b ). Despite being marked Paid, Closed and Closed at consumers request as of XX/XX/XXXX, the derogatory data remains and materially misrepresents the current status and history of the account. No past due balance, payment terms, or late notices have been disclosed. 
Additionally, the account violates Metro 2 formatting standards and CDIA compliance by omitting critical information : no original creditor is listed, no monthly payment amount appears, and the fields for credit limit and last payment date are either blank or incomplete. The reporting of late payments post-closure contradicts the closed status and lacks legal or factual support under FCRA 1681s-2 ( b ). Given the closed status, absence of delinquent balance, and unverifiable derogatory history, I demand ( 1 ) permanent deletion of all late payment notations associated with this account or ( 2 ) removal of the account in its entirety for failure to meet Metro 2 and FCRA compliance standards, with written confirmation of reinvestigation results provided within 15 days under 1681i ( a ). 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Reported Account Deleted by XXXX and Experian, Still Reporting Inaccurately with TransUnion FCRA Violations Identified : A. 15 U.S.C. 1681e ( b ) TransUnion has failed to maintain procedures to ensure the maximum possible accuracy of the data it reports. This account reflects a charge-off with a {$12000.00} past-due balance, despite no valid verification or supporting documentation. 
B. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) This account has permanently been removed from both Experian and XXXX  after disputes, indicating that the data is inaccurate, unverifiable, or fraudulent. TransUnions continued reporting without reinvestigation or proper documentation violates the reinsertion rules under 1681i ( a ) ( 5 ) ( B ).

C. 15 U.S.C. 1681s-2 ( b ) The data furnisher and bureau have failed to conduct a reasonable investigation into prior disputes and are now reporting materially false data in violation of their duties under federal law. 
Metro 2 and CDIA Standard Violations : No chain of assignment, no original contract, no itemized billing statements, and no post-charge-off activity shown to support the reported {$16000.00} balance or {$12000.00} past-due amount. 
The tradeline shows no accurate date of last activity, yet claims the last payment was XX/XX/XXXX contradicting charge-off classification. 
Account status is marked " Derogatory '' with a XXXXXXXX monthly payment, violating Metro 2 formatting logic, which requires clear charge-off dates, deficiency balances, and post-default activity if reported.

There is no mention of any repossession, UCC sale, or cure notice, and the account shows profit and loss write-off and charged off as bad debt, without providing proper evidence or creditor certifications. 
Legal Remedy Demanded : This account is being reported fraudulently and has already been removed by XXXX and Experian in prior disputes. TransUnions continued reporting without proper notice, documentation, or reinvestigation violates multiple provisions of the Fair Credit Reporting Act and the Credit Reporting Resource Guide ( CRRG ). 
I am formally demanding that TransUnion immediately : A. Permanently delete this tradeline in its entirety from my credit profile. 
B. Provide a written response and investigation summary within 15 calendar days as required by 1681i ( a ) ; C. Cease any further reinsertion or reporting unless all legal reinsertion requirements under 1681i ( a ) ( 5 ) ( B ) are met.

Failure to comply may result in legal action, including statutory damages under 1681n and 1681o. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by TransUnion only XXXX XXXX Fraudulent and Inaccurate Tradeline Previously Deleted by XXXX and Experian FCRA Violations Identified : FCRA 1681e ( b ) Failure to Ensure Maximum Accuracy This account reflects a past due balance of {$790.00}, a charge-off designation, and a high credit limit of {$2400.00}, all without proper legal substantiation or supporting billing records. The reporting includes contradictory financial data and lacks any monthly payment amount, creditor contact details, terms, or consistent payment history. This violates the duty imposed under 1681e ( b ) to maintain procedures to ensure the maximum possible accuracy of consumer reports. 
Furthermore, the account has already been permanently deleted by both XXXX  and Experian, confirming its unverifiable or fraudulent nature. This raises serious concerns regarding TransUnions continued reporting, which appears reckless, negligent, and potentially willful under 1681n. If TransUnion is not the original furnisher and lacks adequate documentation of verified reinsertion ( per 1681i ( a ) ( 5 ) ( B ) ( ii ) ), its continued reporting maXXXX qualify as an unauthorized publication of false informationan actionable offense under both FCRA and state consumer protection laws.

FCRA 1681s-2 ( b ) Furnisher Reinvestigation Failures If TransUnion is receiving data from a furnisher, that entity has also failed to conduct a reasonable investigation of previous disputes filed with other CRAs. The fact that two national credit bureaus removed this same account serves as prima facie evidence that either ( a ) the account is factually inaccurate or unverifiable, or ( b ) the furnisher failed to comply with their statutory obligations under FCRA 1681s-2 ( b ) ( 1 ). Re-reporting this tradeline through TransUnion without adequate legal basis may constitute reckless reinsertion and an ongoing violation.

Metro 2 / CDIA Compliance Errors : This account is non-compliant with Metro 2 reporting standards and CDIA guidelines. It reflects a high credit of {$2400.00}, a credit limit of {$1700.00}, and a past due balance of {$790.00}, yet reports no consistent or supported payment history. There are no terms, no payment structure, and no contractual data or deficiency statements to justify charge-off status. No UCC post-default activity, billing statements, or evidence of consumer obligation has been furnished. The listed Date of Last Payment ( XX/XX/XXXX ) directly contradicts the accounts derogatory designation, which would normally require 120180 days of nonpayment with clear default progression. 
Legal Remedy Demanded : In accordance with FCRA 1681e ( b ), 1681s-2 ( b ), and 1681i, I am demanding the immediate and permanent deletion of this account from my TransUnion file. This tradeline has already been removed by XXXX and Experian and lacks legal standing to remain. TransUnions continued reporting is causing undue financial harm, suppressing credit access, and may trigger legal action for statutory damages under 1681n and 1681o for willful and negligent violations. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Open Credit Card Account Reporting Inaccurate Late Payments Request for Immediate Reinvestigation and Correction. Material Reporting Violations Identified : FCRA Violations : 1. 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy. The XXXX account is currently reporting two derogatory payment entries ( XXXX and XX/XX/XXXX ) without valid proof of delinquency. No billing statements or transactional history have been provided that reflect actual default, and there is no consistent notice or grace period acknowledged. 
2. 15 U.S.C. 1681s-2 ( b ) The data furnisher failed to properly investigate and verify the accuracy of the disputed late payments. The absence of validation or documentation substantiating the alleged delinquencies renders this data unverifiable and legally defective. 
Metro 2 and CDIA Reporting Errors : Late payment entries conflict with available activity and show a 96 % utilization rate, which skews creditworthiness and triggers risk flags.

The Payment History profile violates CDIA formatting logic by inserting 30-day lates without consistent context or history leading to default. 
There is no explanation of when the delinquency began, no valid Notice of Adverse Action, and the " Last Payment Date '' ( XX/XX/XXXX ) directly contradicts a 30-day late status in the same cycle.

Additionally, no grace period or payment due date disclosures have been made available in accordance with TILA or Metro 2 reporting logic, making the late data inaccurate and misleading. 
Legal Remedy Demanded : In light of the above material errors, I am requesting the immediate removal of the two late payments ( XXXX and XX/XX/XXXX ) from the reporting profile of this open account. I am not requesting deletion of the account, but rather its accurate restoration in compliance with FCRA 1681e ( b ), 1681i, Metro 2, and CDIA guidelines. A reinvestigation is required, and I request written results within 15 calendar days, as permitted under 1681i ( a ) ( 6

) ( B ) ( ii ). Failure to act in good faith may result in additional legal remedies sought under 1681n and 1681o of the Fair Credit Reporting Act. The inconsistent and inaccurate information impacts my creditworthiness and violates FCRA 's requirements for accurate, timely, and verified credit reporting. 
Sincerely, XXXX XXXX XXXX XXXX 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