Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
To Whom It May Concern : RE : Formal Notice of Inaccurate, Unauthorized, and Fraudulent Account Reporting This letter serves as my second formal dispute and demand for immediate compliance under federal consumer protection statutes. I am contacting you pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and additional federal protections including the Fair Credit Billing Act ( FCBA ), the Truth in Lending Act ( TILA ), and the Fair Debt Collection Practices Act ( FDCPA ).

You are hereby notified that your agency or furnisher is reporting inaccurate, incomplete, and/or unauthorized accounts or information on my credit profile, including accounts that were : You are hereby notified that your agency or furnisher is reporting inaccurate, incomplete, and/or unauthorized accounts or information on my credit profile, including accounts that were : Opened fraudulently without my consent ( identity theft ) ; Contain unauthorized charges or inflated balances ; Reflect inaccurate payment histories, balances, or charge-off activity ; Fail to reflect proper dispute coding under Metro 2 Compliance standards.

Summary of Disputed Accounts & Violations Creditor / Furnisher Account # Issue / Dispute Metro 2 Violation Law Violated Relief Requested XXXX XXXX XXXX / XXXX Account was fraudulently opened. I never applied nor authorized its creation. Failure to apply Code H for ID theft ; improper CO continuation FCRA 605B, FDCPA 1692e ( 8 ) Delete immediately and block under FCRA 605B XXXX XXXX  / XXXX XXXX XXXX  Contains unauthorized charges, not resolved or validated. Missing XB and XR dispute codes ; incorrect Payment History Profile FCRA 1681s-2 ( b ), FCBA 1666 Reinvestigate, correct or delete, validate balance XXXX XXXX XXXX Inflated charges from unauthorized use ; over-limit balance. Reporting multiple CO months ; invalid DOFD FCRA 1681s-2 ( b ), TILA 1601 Remove inaccurate charge-off dates and revalidate XXXX XXXX XXXX XXXXXXXX Disputed account showing unresolved unauthorized charges No dispute coding ( XB ) ; invalid Recent Payment & DOFD FCRA 1681e ( b ), 1681i Correct tradeline or delete immediately Legal Foundation of This Dispute Under FCRA 605B , I formally assert that certain accounts were created via identity theft or were used without my knowledge or authorization. You are obligated to block such accounts within 4 business days upon receipt of : My written statement ; Proof of identity ; Police report or identity theft affidavit ( attached if applicable ).

Furthermore : Under FCRA 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation into any dispute and must delete or correct information that is inaccurate or unverifiable. 

Repeated failure to correct or remove unverified data constitutes willful noncompliance under 15 U.S.C. 1681n.

The Fair Credit Billing Act 1666 requires that disputed charges be investigated within 60 days of notification, or they must be removed.

Per Metro 2 standards, continued reporting of a CO status over multiple months is inaccurate and must be corrected. Failing to use XB ( account in dispute ) or Code H ( ID theft ) during disputes violates industry compliance. 

Requested Actions You are hereby instructed to : Cease and desist the reporting of inaccurate, incomplete, and unverifiable information. 

Permanently delete all tradelines related to the above accounts that are unverifiable or fraudulent. 

Send a corrected report to all major credit bureaus ( Experian, Equifax, and TransUnion ). 

Provide documentation supporting your investigation, including : Original signed application ; Payment ledger ; Itemized charge validation ; IP logs or authentication records confirming consent ( where fraud is alleged ). 

Failure to comply may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential civil litigation for willful or negligent noncompliance under the FCRA, FDCPA, and other applicable statutes. 

Enclosures Copy of government-issued ID Utility bill ( proof of address ) FTC Identity Theft Affidavit Thank you for your prompt attention to this legal matter. Please provide confirmation of removal or correction within 15 calendar days from receipt of this notice. 

Sincerely, XXXX XXXX XXXX be advised that this is my second attempt and I still haven't received a response to my first dispute.

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