Consumer complaint received 2025-11-23 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: NY

Complaint narrative:
This letter is a formal dispute of multiple inaccurate, unverifiable, obsolete, and misleading items on my consumer credit report governed by your file. This communication constitutes a request for reinvestigation and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Furthermore, this letter serves as a notice that several accounts are reported in violation of the Metro 2 Credit Reporting Resource Guide, New York State consumer protection laws, and the implied covenant of good faith and fair dealing under the New York Uniform Commercial Code ( UCC ) 1-304. I also invoke my right to privacy under New York Civil Rights Law 50 et seq., as the continued reporting of this inaccurate and stale information constitutes an unwarranted public disclosure of my private affairs. 

I demand a complete and proper investigation into the following items, conducted in strict compliance with the FCRA and Metro 2 standards. Your failure to do so is a violation of your statutory duties. 

XXXX. Dispute of " Charged Off '' and " Collection '' Accounts for Lack of Valid Contract & Verification The following accounts are reported as " Charged Off '' with balances and/or are in collections. I dispute the legal validity and the verifiability of the underlying debt. 

XXXX ( Acct # XXXX ) XXXX  XXXX ( Acct # XXXX ) XXXX  ( Acct # XXXX ) XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX ( Acct # XXXX ) XXXX ( Acct # XXXX ) XXXX XXXX XXXX ( Acct # XXXX ) XXXX XXXX XXXX ( Acct # XXXX ) Legal Basis for Dispute : UCC 3-501 et seq. & Lack of Standing : Per New York UCC Law, the original creditor must present the authenticated original contract ( the " instrument '' ) to prove a claim. I demand you contact the furnisher and require them to provide the authenticated, signed agreement that establishes my liability. A mere data entry in your system is not legal verification. The debt buyers ( XXXX, XXXX ) lack standing as they can not produce the original instrument, rendering their claims legally unverifiable. 

FCRA 1681i ( a ) ( 1 ) ( A ) : You must conduct a reasonable reinvestigation. A " reasonable '' investigation must include contacting the furnisher and demanding this contractual proof, not merely confirming that their internal records match what they told you. 

Metro 2 Compliance ( Section 4.2 - Data Furnisher Requirements ) : The furnishers are violating Metro 2 standards by reporting accounts without maintaining and being able to provide complete and accurate documentation for verification upon your request. I demand you hold them to this standard. 

XXXX. Dispute of Accounts with Inaccurate Payment History, Status, and Balances XXXX  XXXX XXXX XXXX  ( Acct # XXXX ) : The account is inaccurately reported as " Open '' when it has been sold to XXXX XXXX. This is " double-reporting '' and misrepresents the debt. The 142 % credit usage is mathematically impossible and misleading. The payment history is inaccurate. 

XXXX ( Acct # XXXX ) : The payment history shows " XXXX '' and " XXXX '' days late for XXXX, yet the account was opened in XX/XX/XXXX. This timeline is illogical and indicates a flawed, automated data dumping process, not accurate reporting. 

XXXX ( Acct # XXXX  ) : The payment history shows " NO '' for XX/XX/XXXX, which is inconsistent with the " Never Late '' status. This internal contradiction makes the data unreliable. 

Legal Basis for Dispute : FCRA 1681e ( b ) : You have a duty to maintain reasonable procedures to assure maximum possible accuracy. Reporting an account as both " XXXX '' with a balance and also in collections is per se inaccurate. Reporting implausible payment timelines is a failure of these procedures. 

Metro 2 Compliance ( Section 5 - Data Accuracy ) : The furnishers are violating specific field definitions for Account Status, Payment History, and Balance.

3. Demand for Removal of Obsolete Information Several accounts contain negative information that is far beyond the 7-year reporting period mandated by FCRA 1681c ( c ). 

XXXX XXXX ( Acct # XXXX ) : Date Opened : XX/XX/XXXX. The last negative activity was in XXXX. This account is obsolete and must be deleted. 

XXXX XXXX XXXX Acct # XXXX ) : Date Opened : XX/XX/XXXX. Status Updated : XX/XX/XXXX. This account is obsolete. 

XXXX. Violation of Privacy and Good Faith Dealing The aggregation and continued reporting of this outdated, unverified, and inaccurate financial data constitute an invasion of my privacy under New York Civil Rights Law. Furthermore, the reporting of debts without a verifiable legal basis breaches the duty of good faith and fair dealing implied in every contract under New York UCC 1-304.

DEMAND FOR REMEDIAL ACTION Pursuant to the above, I demand that you immediately : Delete in their entirety the accounts listed in Sections 1 and 3.

Correct or delete the accounts listed in Section 2 to reflect 100 % accurate information, or delete them if accuracy can not be achieved. 

Provide me with the name, address, and telephone number of every furnisher you contacted during this reinvestigation, as well as the method and description of the " verifiable evidence '' they provided to you, as required by the FCRA. 

Provide me with an updated, free copy of my credit report reflecting all corrections and deletions. 

This dispute must be resolved within 30 days, as required by the FCRA. Be advised that I am keeping a detailed record of all communication, and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the New York State Attorney General, and pursuing private legal action for willful non-compliance with the FCRA, New York UCC, and other applicable laws. Your liability for damages, costs, and attorney 's fees is established under FCRA 1681n & o.

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