Consumer complaint received 2025-04-18 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:
* * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Experian | Consumer Financial Protection Bureau ( CFPB ) | Federal Trade Commission ( FTC ) * * Subject * * : * * Final Demand for Correction of Systemic FCRA Violations, Deletion of Fraudulent Accounts, and Uniform Accuracy Across All Credit Bureaus * * To Whom It May Concern : Under the * * Fair Credit Reporting Act ( FCRA 1681i ) * *, * * Fair Debt Collection Practices Act ( FDCPA 1692e ) * *, and * * Metro 2 Compliance Standards * *, I demand the immediate correction of * * fraudulent, deceptive, and unverified information * * that has persisted on my credit reports for * * over a decade * *. The systemic negligence of XXXX XXXX, and Experian has resulted in catastrophic harm to my financial reputation, including false payment histories and misreported derogatory accounts. 

-- - # # # * * Legal Basis for Dispute * * 1. * * FDCPA 1692e * * : Prohibits debt collectors ( e.g., XXXX XXXX XXXX ) from * * falsely claiming to be the original creditor * *.

2. * * FCRA 1681e ( b ) * * : Requires credit bureaus to follow procedures ensuring * * maximum accuracy * *.

3. * * Metro 2 Compliance * * : Violations include incomplete creditor details, duplicate accounts, and unverified payment histories.

4. * * CFPB UDAAP Violations * * : Persistent inaccuracies constitute * * unfair and deceptive practices * * under 12 U.S.C. 5531.

-- - # # # * * Disputed Information * * # # # # * * 1. Fraudulent Creditor Misrepresentation * * - * * XXXX XXXX XXXX * * ( XXXX ) XXXX Falsely listed as the original creditor ( violates FDCPA 1692e ( 2 ) ( A ) ). 
- * * XXXXXXXX XXXX XXXX XXXXXXXX * * ( Experian ) : Original creditor misidentified ; no validation provided. 

# # # # * * 2. Inaccurate Payment Histories * * - * * XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX * * : - * * XXXX falsely reported late payments * * across bureaus ( e.g., XXXX  : XXXX missed ; XXXX  : XXXX missed ). 
- * * True Payment History * * : 100 % on-time payments. 

# # # # * * 3. Employment/Address Inconsistencies * * - * * Employment * * : Variations in employer names ( e.g., XXXX XXXX XXXXXXXX XXXX XXXX ). 
- * * Addresses * * : Discrepant addresses ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

# # # # * * 4. Metro 2 Noncompliance * * - Accounts lack * * original creditor details * *, * * date of first delinquency * *, and * * proof of ownership * *. 

-- - # # # * * Demanded Actions * * 1. * * Delete All Fraudulent/Unverified Entries * * : - XXXX XXXX XXXX ( {$580.00} ). 
- XXXXXXXX XXXX XXXX XXXXXXXX ( {$1100.00} ). 
- All late payment notations ( XXXX XXXX XXXX XXXX XXXX etc. ). 

2. * * Update All Accounts to Paid as Agreed * * : - Correct payment histories to reflect * * 100 % on-time payments * *. 

3. * * Standardize Employment/Address Data * * : - Remove outdated/erroneous entries ( e.g., XXXX XXXX XXXX ). 

4. * * Conduct e-OSCAR Audits * * : - Investigate Metro 2 compliance failures and systemic inaccuracies across all bureaus. 

-- - # # # * * Legal Notice * * Failure to resolve these violations by * * XX/XX/year> * * will result in : - Lawsuits against XXXX, XXXX, and Experian for * * willful FCRA violations * * ( up to {$3500.00} per violation ). 
- Complaints to the * * CFPB * *, * * FTC * *, and * * XXXX  Attorney General * * for : - FDCPA violations ( XXXX XXXX XXXX ). 
- UDAAP violations ( 12 U.S.C. 5531 ). 

- Prior dispute records ( if available ). 

* * Confirmation * * : Redact my full SSN ; use * * XXXX * * for identification. 

Sincerely, * * 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