Consumer complaint received 2025-06-18 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:
I am formally disputing multiple violations within my credit report file under the authority of the Fair Credit Reporting Act ( 15 USC 1681 ), Fair Debt Collection Practices Act ( 15 USC 1692 ), Fair Credit Billing Act ( 15 USC 1666 ), Equal Credit Opportunity Act, and Metro 2 Data Reporting Standards ( CRRG 2020 ).

You are reporting inaccurate, unverifiable, and incomplete information that directly harms my consumer rights. The following items fail to meet the legal requirement of complete, accurate, and fully documented reporting. If you can not validate with factual, verifiable, and fully documented proof of all claims, then you are obligated to DELETE these accounts, inquiries, and personal information from my file immediately. 

PERSONAL INFORMATION BEING CHALLENGED : Incorrect Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXXXXXX XXXX XXXX Incorrect Name : XXXX XXXX Employer : XXXX XXXX ACCOUNTS BEING CHALLENGED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES BEING CHALLENGED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATIONS & LEGAL BASIS : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : You must report information with maximum accuracy. You are reporting unverifiable data.

FCRA 1681i : You must reinvestigate disputed information and delete it if not verified within 30 days.

Metro 2 CRRG 2020 : You failed to meet the full data field integrity requirements under Metro 2 format standards.

FDCPA 1692e ( 8 ) : It is illegal to report or communicate false, deceptive, or misleading information about a consumers credit file.

ECOA : Failure to ensure accurate reporting may constitute discrimination or negligent harm under credit opportunity law.

FCBA : Billing errors or unverified balances must be corrected or deleted.

DEMAND FOR ACTION : I demand you immediately : Conduct a full reinvestigation in compliance with the above federal laws and Metro 2 guidelines.

Provide me with fully documented, verifiable proof of all data reported.

DELETE any item that lacks full compliance and evidence.

Issue a fully updated copy of my credit report showing all deletions, corrections, or updates.

Provide all documentation in physical form for my personal records.

NOTICE OF FURTHER ACTION : Failure to comply will result in my immediate filing of formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Attorney General 's Office Each willful violation may subject you to fines and damages under 15 USC 1681n, 15 USC 1692k, and related statutes.

This is your legal obligation. I expect full compliance within 30 calendar days of your receipt of this notice.

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