Consumer complaint received 2025-01-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute of Fraudulent and Non-Compliant Accounts To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards, I am disputing the following accounts as inaccurately reported on my Experian credit profile. These accounts are in direct violation of 15 U.S.C. 1681e ( b ), 1681s-2, and 1681i. Each account lacks compliance with Metro 2 reporting standards and fails to meet the legal threshold for accuracy, completeness, and verifiability.

I am requesting that you thoroughly review my credit report, paying special attention to all data entries. You must ensure that all entries comply with the Fair Credit Reporting Act ( FCRA ) and meet Metro 2 format reporting standards. For each account listed, I require physical, verifiable proof that you have confirmed the information is accurate and compliant with all relevant regulations. Similarly, for each inquiry, I request proof that the creditor had a permissible purpose for accessing my report.

I am giving you a 30-day period to investigate these discrepancies. If you are unable to provide evidence that the information is valid, accurate, and compliant, I demand that you immediately remove the disputed entries from my credit report. Furthermore, I request that you send me physical proof of the actions you take to correct my credit report, including a new, updated copy of my report reflecting these changes.

The failure to correct these issues immediately will leave me no choice but to pursue all legal remedies, including seeking damages under 15 U.S.C. 1681n for willful non-compliance. Below, I outline each account, specific violations, and the corrective actions required.

Below is a list of the accounts I am disputing, along with specific concerns regarding the discrepancies : ________________________________________ XXXX. XXXXXXXX XXXX XXXXXXXX ( Account # XXXX ) ** FCRA Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum accuracy. Payment history reflects late payments without evidence or validation.

15 U.S.C. 1681s-2 ( b ) : Data furnishers must investigate disputed information, yet inaccuracies persist.

15 U.S.C. 1681i ( a ) : Failure to conduct a thorough reinvestigation.

Metro 2 Non-Compliance : '' Balance Owed '' ( {$16.00} ) and " Last Payment Date '' ( XX/XX/XXXX ) are inconsistent with historical data. 
Payment history inaccurately reflects delinquent payments without evidence '' Account Status '' is not properly reported, and data fields deviate from industry-standard codes.

Reported balance exceeds the credit limit, violating Metro 2 compliance.

Payment history contains inaccuracies and unverifiable dates.

Action Demanded : Immediate deletion of unverifiable late paymens from this unverifiable account or delete account from my credit profile. 
________________________________________ XXXX. XXXX XXXX ( Account # XXXX ) ** FCRA Violations : 15 U.S.C. 1681e ( b ) : Inaccurate reporting of balance exceeding credit limit.

15 U.S.C. 1681s-2 ( a ) : Prohibition against reporting unverifiable and false data.

15 U.S.C. 1681i ( a ) : Negligence in reinvestigating disputed inaccuracies.

Metro 2 Non-Compliance : Payment history inaccurately reflects delinquent payments without evidence Credit limit ( {$500.00} ) and balance owed ( {$560.00} ) are contradictory.

" Payment Status '' and " Last Payment Date '' fields lack proper validation.

Action Demanded : Remove this accounts fraudulent late payments or delete this non-compliant account from my credit file. 
________________________________________ XXXX. XXXX XXXX ( Account # XXXX ) ** FCRA Violations : 15 U.S.C. 1681e ( b ) : Inaccurate and incomplete " Payment History '' and " Date of Last Activity. '' 15 U.S.C. 1681s-2 ( b ) : Furnisher failed to validate account details during disputes.

Metro 2 Non-Compliance : '' Credit Limit '' reported as {$0.00} does not align with Metro 2 standards.

Payment history inaccurately reflects delinquent payments without evidence.

Metro 2 fields for " Account Status '' and " High Balance '' are incomplete and misleading.

The High Balance '' and " Last Payment Date '' fields contain discrepancies and remain unverifiable.

Action Demanded : Immediate removal of late payments due to persistent inaccuracies and failure to comply with Metro 2. Deletion of account in its entirety violation of metro 2 reporting inaccurate data and has been removed and deleted by Equifax. 
________________________________________ XXXX. XXXX ( Account # XXXX ) ** FCRA Violations : 15 U.S.C. 1681e ( b ) : Erroneous " Account Closure Remarks '' and term length reporting.

15 U.S.C. 1681i ( a ) : Inadequate reinvestigation of disputed data.

Metro 2 Non-Compliance : '' High Balance '' ( {$25000.00} ) and " Payment Amount '' ( {$0.00} ) fields deviate from compliance guidelines.

Reporting on " Account Status '' is incomplete and misleading.

Misreported payment status and high balance data are inaccurate.

Failure to report closure details correctly under Metro 2 guidelines.

Action Demanded : Delete immediately due to account status closed, data inaccuracies, and Metro-2 compliance violations.

________________________________________ Immediate Corrective Actions Required 1. Conduct a thorough reinvestigation of all disputed accounts within 30 days as required by 15 U.S.C. 1681i ( a ).

2. Provide complete and verifiable documentation for each account, including original creditors records.

3. Remove all accounts that fail to meet FCRA or Metro 2 compliance standards.

Failure to Act Failure to comply will result in legal action under 15 U.S.C. 1681n for willful non-compliance, attached are formal complaints to the Consumer Financial Protection Bureau ( CFPB ), XXXX, Better Business Bureau, and My State Attorney General XXXX XXXX. I will also seek monetary damages for harm caused by negligent and reckless reporting. 
Conclusion I expect a detailed response and resolution. Please confirm all actions taken to correct my credit report and provide an updated copy within the statutory timeline. 
Sincerely, 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