Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear Sir/Madam,XXXXI am writing to formally dispute the collections accounts listed on my credit report under the account numbers referenced below. Under 15 U.S. Code  1681 (FCRA) and the Metro 2 Compliance Guidelines, all information furnished to consumer reporting agencies must be accurate, complete, verifiable, and properly formatted. The accounts listed below contain violations of federal law and do not meet Metro 2 compliance standards. I am demanding full deletionXXXX DISPUTED ACCOUNTSXXXX1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXReported On: Experian, Equifax, TransUnionXXXXtIssue:XXXXThe account is inconsistently reported as both Open and Closed across different credit bureaus, which is misleading and violates FCRA  1681e(b)  bureaus are required to maintain maximum possible accuracy.\n\t\tThere is no full payment history, date of last activity, or original contract shown, violating FCRA  1681s-2(b)  furnishers are required to provide accurate and verifiable information.\n\t\tNo response has been provided to previous dispute attempts, violating FCRA  1681i  which mandates reinvestigation of disputed information within 30 days.\n\t\tThe absence of key reporting fields also violates FCRA  1681c, which prohibits outdated or incomplete information.\n\t\tThis account fails Metro 2 Compliance Guidelines regarding clear reporting of closed accounts and collection tradelines. Key fields such as Date of First Delinquency, Last Payment Date, and Account Status are either missing or inconsistent.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXStatus: CollectionXXXXReported On: EquifaxXXXXtIssue:XXXXThe account lists no original creditor, contract, or debt validation  this violates FCRA  1681s-2(b), which requires all data furnished to be verifiable and accurateXXXXThe credit bureau failed to reinvestigate or correct previously disputed errors, violating FCRA  1681i.XXXXThe entry lacks complete information such as payment history, creditor details, or supporting documentation, which breaches FCRA  1681e(b) by failing to uphold accuracyXXXXThe formatting of the account does not meet Metro 2 Compliance, including the absence of fields like date of last activity, last payment date, and appropriate account type/status code. This leads to consumer confusion and misrepresentation of credit risk.XXXXAttached-Documents Below:XXXXPhoto-IDXXXXSSNXXXXCredit ReportsXXXXReference NumberXXXXLEGAL JUSTIFICATION\XXXXUnder the Fair Credit Reporting Act, I am protected from the furnishing and reporting of inaccurate or unverifiable information. When information is incomplete, outdated, or cannot be validated, it must be removed. Specifically:XXXXtFCRA  1681e(b)  Requires maximum possible accuracy in credit reporting. Inconsistent statuses and missing data violate thisXXXXtFCRA  1681s-2(b)  Requires data furnishers to investigate, correct, or delete disputed information that cannot be verified.\n\t\tFCRA  1681i  Credit bureaus must reinvestigate and resolve consumer disputes within 30 days.XXXXFCRA  1681c  Prohibits the reporting of outdated, misleading, or incomplete negative informationXXXXtMetro 2 Compliance  Mandates proper format, field population, and clarity when furnishing credit data. Incomplete or conflicting data fields violate Metro 2 guidelines and cannot be legally reportedXXXX RESOLUTION REQUESTED\XXXXtImmediate and permanent deletion of the XXXX XXXX and XXXX XXXX XXXX  collection accounts from Experian, Equifax, and TransUnion.XXXXtWritten confirmation of deletion within XXXX  calendar days from the receipt of this letterXXXXNo further reporting of these accounts unless original signed contracts, complete payment records, and fully Metro 2-compliant documentation can be presentedXXXXIf these accounts are not deleted within the legally mandated period, I will file formal complaints with the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) and pursue civil legal remedies under FCRA  1681n and 1681o for negligent or willful noncompliance, including statutory and punitive damages.XXXXThank you for your attention and complianceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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