Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Accounts Being Challenged XXXX XXXX  - XXXX I am extremely disappointed that inaccurate information has been included in my credit report. The Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any such information, and I demand that this be rectified as soon as possible. 

I understand that creditors are required to document and validate the data in my credit report before using it. I find it unacceptable that allegations of delinquency and derogatoriness against me have been made, which are completely false. I will fight back with all my strength, but I need evidence that supports the negative status of my accounts. I request that you provide proof of a permissible purpose for the inquiry or account within my report.

Your lack of attention to detail in compiling my credit report is disappointing, and I must say that you are not doing your job properly. Immediate action is imperative to resolve this issue ; otherwise, there could be serious consequences. I am giving you a 30-day window from the date of delivery to resolve this matter, and I hope that everything can become clear and correct itself without the need for intervention or escalation. 

DELETE this account for willful noncompliance, data inconsistency, and failure to meet federal billing and credit reporting laws. Youre reporting XXXX different balances across Equifax ( {$1700.00} ), Experian ( {$1700.00} ), and TransUnion ( {$1700.00} ). This violates Metro 2 guidelines and FCRA 623 ( a ) ( 1 ) ( A ), which require data furnishers to report complete and accurate information to all consumer reporting agencies. Wheres the consistency? Wheres the validation? You have failed to provide a proper method of verification per 1681i ( a ), and this account remains unverifiable and inaccurate.

Under TILA 1666 and Regulation Z, any billing error must be investigated and correctedyet you've ignored that obligation. You are knowingly reporting conflicting data tied to the Equifax breach, and youre in violation of 616 and 617 of the FCRA for willfully reporting inaccurate and misleading information. This account is legally defective and lacks compliance with federal billing laws. You must DELETE it from all reports immediately or face full liability for damages. 

The request for discontinuing reporting under the account name XXXX XXXX  and account number XXXX is hereby acknowledged. We kindly request substantiating evidence in the form of documented proof to validate the accuracy of all stated information, including but not limited to physical verification and validation of all data, dates, balances, compliance condition code ( s ), and any relevant aspects pertaining to the Metro 2 compliance segments and fields. Your prompt attention to this matter is greatly appreciated. 

As a consumer, I regretfully express my profound disappointment in the manner in which your reporting has been conducted, as outlined in the accompanying document. Regrettably, it is evident that the provided report is inadequate and fails to meet the prevailing standards that are obligatory under the law. I feel compelled to emphasize that both Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance are legally mandated, and it is imperative for your organization to uphold these obligations with utmost sincerity. This entails the provision of accurate and timely information, ensuring that none of my rights are infringed upon or compromised. 

Kindly dispatch your written reply to my location at : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

This letter is to notify you that I have been made aware of your potential illegal practice of sending form letters in response to disputes and challenges from consumers, regardless of the information they have provided. This act may be in violation of 15 U.S. Code 1681i, which mandates that every dispute and challenge should be dealt with independently and based on its own merits. The letters I sent were generated using software that is available to the public. If you fail to process my letters, it may be a potential breach of my consumer rights. I consider this a possible intentional disregard of my rights, and I may seek legal action by contacting my lawyer.

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