Consumer complaint received 2025-05-16 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: MD

Complaint narrative:
FCRA AND METRO 2 COMPLIANCE VIOLATIONS REQUEST FOR DELETION OF INACCURATE ACCOUNTS AND CORRECTION OF CONSUMER IDENTIFICATION I AM FILING THIS FORMAL COMPLAINT REGARDING INACCURATE, INCOMPLETE, AND UNLAWFUL INFORMATION BEING REPORTED ON MY EXPERIAN CREDIT REPORT. THIS INCLUDES EIGHT ACCOUNTS REPORTING FALSE OR MISLEADING DELINQUENCY INFORMATION, AND THE PRESENCE OF MULTIPLE INCORRECT NAME VARIATIONS, ALL IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) AND METRO 2 COMPLIANCE STANDARDS.

ACCOUNTS WITH METRO 2 & FCRA VIOLATIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES THESE ACCOUNTS ARE INACCURATELY REPORTING DELINQUENCY AND CONTAIN THE FOLLOWING VIOLATIONS : NO PROPER METRO 2 DISPUTE CODES ( " XXXX  '' ) HAVE BEEN APPLIED, DESPITE DISPUTES BEING SUBMITTED THIS VIOLATES FCRA 611 AND METRO 2 FORMATTING REQUIREMENTS. 

CHARGED-OFF OR CLOSED ACCOUNTS ARE STILL BEING UPDATED WITH NEW LATE PAYMENT DATA, WHICH IS A VIOLATION OF FCRA 623 ( A ) ( 5 ) AND METRO 2 GUIDELINES THIS IS KNOWN AS " RE-AGING. '' INCONSISTENCIES EXIST BETWEEN PAYMENT HISTORY BLOCKS AND ACCOUNT STATUS ACCOUNTS ARE MARKED AS EVER LATE WITHOUT CORRESPONDING DELINQUENCY IN THE MONTHLY PAYMENT HISTORY THIS VIOLATES FCRA 607 ( B ).

CREDITORS AND THE CREDIT BUREAU HAVE FAILED TO PROVIDE DOCUMENTATION TO SUPPORT THESE NEGATIVE ENTRIES, INCLUDING SIGNED CONTRACTS, BILLING STATEMENTS, OR LEGALLY REQUIRED 21-DAY ADVANCE NOTICES THIS VIOLATES FCRA 609 ( A ) ( 1 ) AND 623 ( A ) ( 7 ).

MY CREDIT REPORT ALSO CONTAINS MULTIPLE VARIATIONS OF MY NAME THAT ARE INCORRECT, HAVE NEVER BEEN USED BY ME, AND DO NOT REFLECT MY LEGAL IDENTITY. THIS INDICATES FILE CONTAMINATION AND VIOLATES : FCRA 607 ( B ) FAILURE TO MAINTAIN MAXIMUM POSSIBLE ACCURACY 15 U.S.C. 1681E ( B ) FAILURE TO FOLLOW REASONABLE PROCEDURES TO ASSURE ACCURACY METRO 2 BASE SEGMENT IDENTIFICATION RULES WHICH REQUIRE THAT NAME, ADDRESS, SSN, AND DOB BE UNIFORM ACROSS ALL TRADELINES THE PRESENCE OF UNRECOGNIZED NAME VARIANTS ON MY CREDIT FILE IS AN UNLAWFUL ERROR AND COMPROMISES THE VALIDITY OF MY ENTIRE REPORT. 

I AM REQUESTING THAT THE CONSUMER FINANCIAL PROTECTION BUREAU INVESTIGATE THIS MATTER AND COMPEL EXPERIAN AND THE DATA FURNISHERS TO : DELETE ALL EIGHT ACCOUNTS LISTED ABOVE FROM MY CREDIT REPORT DUE TO ONGOING METRO 2 AND FCRA COMPLIANCE FAILURES.

PERMANENTLY REMOVE ALL INCORRECT NAME VARIATIONS AND ENSURE THAT MY LEGAL NAME, XXXX XXXX, IS THE ONLY NAME ASSOCIATED WITH MY CREDIT FILE. 

ENSURE THAT ALL FUTURE DISPUTES ARE PROPERLY CODED WITH METRO 2 DISPUTE CODES AND REPORTED ACCURATELY. 

THESE INACCURACIES HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT PROFILE AND MUST BE ADDRESSED IMMEDIATELY.

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