Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the following accounts that appear on my credit report, which I believe to be inaccurate, incomplete, or unverifiable. These entries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation V ( Metro-2 ). I request a full investigation and removal of any entries that can not be verified with proper documentation. 
Accounts in Dispute XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX XXXX {$1000.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( inaccurate reporting ) ; FCRA 611 ( a ) ( 1 ) ( A ) ( failure to verify ) ; FDCPA 807 ( 8 ) ( false representation of debt status ). 
XXXX. XXXX XXXX {$10000.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( data discrepancies across bureaus ) ; Reg V ( Metro-2 ) ( failure to comply with proper account status fields ) ; FCRA 611 ( failure to verify after dispute ). 
XXXX. XXXX XXXX XXXX / XXXX {$500.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( failure to ensure accuracy ) ; FCRA 623 ( b ) ( 1 ) ( C ) ( failure to correct inaccuracies after being informed ). 
XXXX. XXXX XXXX XXXX / XXXX Account {$3700.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( incorrect payment history ) ; FCRA 611 ( a ) ( lack of documentation regarding payment history ). 
XXXX. XXXX {$1900.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( failure to provide proof of assignment or valid payment history ) ; Reg V ( inconsistent reporting of payment status ). 
XXXX. XXXX  XXXX XXXX ( Revolving Accounts ) {$0.00} ( Multiple Accounts ) Violations : FCRA 607 ( b ) ( incorrect reporting of account statuses ) ; FCRA 611 ( a ) ( 5 ) ( A ) ( failure to remove after incomplete verification ). 
XXXX. XXXX {$0.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( unverified late payments, inconsistencies across reports ) ; FCRA 611 ( a ) ( 1 ) ( A ) ( failure to investigate after dispute ). 
XXXX. XXXX XXXX  {$3400.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( failure to ensure maximum possible accuracy ) ; FCRA 611 ( a ) ( incorrect reporting after dispute ). 
Legal References & Basis for Dispute FCRA 607 ( b ) : Requires that the credit reporting agency maintain maximum accuracy in reporting and rectify any incomplete information. 
FCRA 611 ( a ) ( 1 ) ( A ) : Requires CRAs to perform a reasonable investigation after a dispute and correct or remove the data if it is found to be inaccurate. 
FCRA 623 ( b ) ( 1 ) ( C ) : Requires furnishers to correct any inaccurate information within 30 days after being notified of a dispute. 
FDCPA 807 ( 8 ) : Prohibits collectors from reporting false or misleading information about a debt. 
Reg V ( Metro-2 ) : Mandates that CRAs must report accurate status codes and update account information following dispute resolutions. 
Data Breach Notice Given the previous data breaches affecting Experian and other agencies, my personal information may have been exposed. This may have resulted in inaccurate reporting on my account ( s ). Please confirm whether my information has been compromised. Under FCRA 602 ( a ), you are required to ensure that my data is not only accurate but also secure.

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