Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards.For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX - XXXX Account Number XXXX XXXX Status XXXX Closed Type XXXX Unpaid Balance Installment XXXX {$97.00} Comments XXXX Date Opened UNPAID BALANCE REPORTED AS A LOSS BY XXXX XXXX XXXX XXXX Last Activity XXXX High Balance XXXX XXXX Monthly Payment XXXX Term Source Type Current Rating- Provided XXXX CollectionOrChargeOff Original Creditor XXXX Highest Adverse Rating XXXX CollectionOrChargeOff Most Recent Adverse Rating XXXX CollectionOrChargeOff Im reaching out because the account XXXX XXXX XXXX with the number XXXX is inaccurately reported as CollectionOrChargeOff on my credit report. You mentioned the account was opened on XXXX and has a date of last activity as XXXX, but this is incorrect. Im requesting the immediate deletion of this account. 
You stated the last verified date was XXXX. As per 15 U.S.C. 1681i, you are required to provide the verification details. Send me all the documents that support this information. Additionally, I need proof of the {$97.00} you claim I owe, as I dispute this claim. 
Legal cases like XXXX v. TransUnion, XXXX, XXXX. XXXX ( XXXX. La. XXXX XXXX, XXXX ) prove that incorrect data must be removed. Please address this promptly. 
Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
When I scrutinized Last Verified ( XXXX ) presenting XXXX. It appears there is a problem with the data reported because it doesn't meet required standards. The information may not be accurate due to deviations from what's needed in compliance with Metro 2 guidelines, so You must Page 1 of 3 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX make sure all fields are filled out correctly according to those standards PRIOR to adding anything to my credit profile! 
I want to bring to your attention Balance Owed ( XXXX ) reporting {$97.00} The data for this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! 
Lets examine Highest Adverse Rating ( XXXX ) showing CollectionOrChargeOff Compliance with Metro 2 standards is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account!

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated Faithfully XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, TX 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