Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following dispute was sent to XXXX ON TWO DIFFERENT OCCASSIONS " To whom it may concern, I am deeply disappointed that the credit report you sent me is inaccurate. As a company that is supposed to adhere to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I would have expected better from you. Your failure to comply with these standards has put me in a difficult position, and I am now forced to challenge the inaccuracies and deficiencies in your reporting.

It is disheartening to think that the report you sent me was not properly formatted and lacked accurate information. The fact that you failed to adhere to the 2020 Consumer Reporting Reform Act guidelines is a serious matter, as it undermines the integrity of the data you provide.

I urge you to take immediate action and make a document that shows all of the evidence and sends it to me, complete with verified sources. I expect only factually accurate, verified, and compliant data to be documented in my credit report. Any false accounts must be taken care of and any deviations from the standards rectified promptly.

I am deeply disappointed that I have to go through this process, and I hope that you will take the necessary steps to fix this issue as soon as possible. If this issue is left unchecked, it will have severe financial implications for me in the future.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : Employer Incorrect Previous Address : Listed below are the Accounts that are being challenged XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following letter was sent to EXPERIAN on TWO DIFFERENT OCCASSIONS " To whom it may concern, The deletion or blocking of accounts due to a data breach and unauthorized inquiries falls under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) and FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute the accounts on my consumer credit report referenced below, resulting from a data breach or fraud. I request verifiable evidence with my signature/electronic signature. This letter represents my stance against unauthorized actions, violating my consumer rights as per Fair Credit Reporting Act Section 605B ( 15 U.S.C.

1681c-2 ) and Fair Credit Reporting Act Section 604 ( 15 U.S.C. 1681b ). I've contacted these companies, revealing a lack of compliant validation or original proof.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : Employer Incorrect Previous Address : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following was sent to XXXX ON TWO DIFFERENT OCCASSIONS " To whom it may concern, I am deeply disappointed by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment is my entitlement, and I kindly request a detailed account of the failures in upholding accuracy and compliance.

The credit report I received is surprisingly inaccurate, considering the expected adherence to the FCRA and applicable Metro 2 data field formatting standards. I challenge you to provide a verified, complete, and truthful document as evidence for each claim. It is crucial to remove any false accounts promptly to avoid future financial implications. My credit report holds immense importance, and I demand factual accuracy, verification, and compliance in all documented data.

Listed below are the Personal Information that are being challenged Employer Incorrect Previous Address : Listed below are the Accounts that are being challenged XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX Per the FCRA, the companies should have properly investigated these disputes and made the necessary changes per their findings BUT I have NOT heard anything from any of these companies regarding this issue which is a direct violation of my consumer rights!!!

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