Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
I am formally contesting any inaccurate or undocumented information in my credit report, including unverified claims. Under the FCRA and the accepted STANDARD of metro 2 data field reporting, I challenge the reportability of these unsubstantiated allegations. Federal and state laws require accurate reporting, and it is inappropriate to report unlawful claims. Please ensure the accuracy and correctness of all your claims, supported by verifiable evidence. 
I kindly request you to provide evidence for the existence of the account and its permissible usage. If such evidence is lacking, I expect the removal of the account from the report. Please send me physical documentation of your actions and an updated credit report. 
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Employer - XXXX XXXX Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged 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 Listed below are the Collections that are being challenged 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 - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX  - XXXX Incorrect CurrentAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This information is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I demand immediate correction and removal of this erroneous address from my file.Key Issues : 1. Inaccurate Address Information : The address XXXX XXXX XXXX XXXX XXXX is not associated with me and does not represent my current or previous residence. This information is false and misleading. 2. Failure to Ensure Accuracy : Under FCRA 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of consumer information. The inclusion of this incorrect address fails to meet this standard. 3. Potential Negative Impact : The presence of incorrect address information could lead to confusion, identity errors, or misuse of my credit report, potentially damaging my creditworthiness and reputation. - Immediate Removal of the Incorrect Address :? I demand that? XXXX XXXX XXXX XXXX XXXX? be removed from my credit report immediately. XXXX. Notification of Investigation Results :? Notify me in writing of the results of your investigation within the legally mandated 30-day period under FCRA 1681i ( a ) ( 1 ).

1 of 17 If this information can not be verified as accurate, it must be corrected or removed immediately. 3. Provide Proof of Accuracy :? If you claim this address is accurate, provide documentation verifying its validity and origin.Legal Notice : Failure to resolve this matter promptly will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I reserve the right to pursue legal action for damages caused by this inaccurate reporting under FCRA 1681n and 1681o.Thank you for your immediate attention to this matter. Please direct all correspondence regarding this dispute to the address provided below. 
Kindly be informed that the sole address associated with my records is XXXX XXXX XXXXXXXX XXXX XXXX, situated in XXXX, FL, XXXX. If by chance there exist any alternative addresses within your system that diverge from the aforementioned address as explicitly provided, I respectfully request that you promptly expunge such entries without delay. This action will ensure the integrity of the database and guarantee the presence of precise and up-to-date information pertaining to my profile. 
Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I am writing to dispute inaccurate personal information that is being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, the following incorrect items must be corrected or deleted immediately : 1. Incorrect Address : XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C.

1681i ), credit reporting agencies are required to maintain accurate and verifiable information in consumers files. These entries are factually incorrect and negatively affect my credit profile. - The listed address is not associated with me I demand that you investigate and remove or correct these items promptly as required under the FCRA. Additionally, under 1681g ( a ) ( 2 ), please provide me with the source of these inaccuracies and a full summary of your investigation once it is completed.Failure to correct these inaccuracies may result in legal action for negligent or willful noncompliance under 1681n and 1681o. Furthermore, I expect all future correspondence regarding this dispute to be addressed in writing to the address listed below.Supporting Documents Enclosed :? [ Insert copies of ID, utility bill, or other evidence supporting your dispute. ] I request immediate correction of these errors and confirmation within 30 days, as mandated by FCRA regulations. 
Thank you for your prompt attention to this urgent matter. 
I would like to kindly bring to your attention the importance of the accuracy of my personal information on record. As such, I respectfully request that you update your database to reflect my sole address, which is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, FL, XXXX. I kindly ask that you remove any other addresses that do not match the one provided in this letter from your system. Your prompt attention to this matter would be greatly appreciated, as I rely on your institution to maintain my personal information with the utmost care and diligence. Thank you in advance for your cooperation. 
Employer - XXXX XXXX This information is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681. I demand immediate investigation and correction of this error.Key Issues : 1. Inaccurate Information : The listing of XXXX XXXX as an employer on my credit report is false. This information does not reflect my accurate employment history and is misleading. 2. Failure to Ensure Accuracy : Under FCRA 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in consumer reports. The inclusion of incorrect employment information violates this requirement. 3. Negative Impact : The presence of inaccurate employment information could harm my reputation and misrepresent my professional background to potential creditors or employers. - Immediate Removal of the Incorrect Information :? I demand that? XXXX XXXX? be removed entirely from my credit report under the? Employers? category. 2. Notification of Investigation Results :? Notify me in writing of the results of your investigation within the legally mandated 30- day period under FCRA 1681i ( a ) ( 1 ). If the information can not be verified, it must be removed immediately. 3.

Provide Proof of Accuracy :? If you claim this information is accurate, provide documentation verifying its validity and origin.Legal Notice : Failure to address this matter promptly will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Additionally, I reserve the right to pursue legal action for damages caused by this inaccurate reporting under FCRA 1681n and 1681o.Thank you for your immediate attention to this matter. Please direct all correspondence regarding this dispute to the address provided below. 
I am writing to request that you kindly update your records regarding the account of Employer with XXXX XXXX. I have noticed that the current information in your records is inaccurate and does not meet the minimum standard for accuracy. 
May I kindly bring to your attention that failure to correct inaccurate data may result in legal action. Inaccurate 2 of 17 information has no place in either your records or on my credit report, and as a valued customer, I respectfully demand that it be removed without any delay. 
Incorrect Name : - XXXXXXXX XXXX XXXXXXXX I am writing to formally dispute inaccurate and unverifiable personal information being reported on my credit file, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, the following incorrect name entries require immediate removal : 1. Incorrect Name : XXXX XXXX XXXX ( listed multiple times ) .This information is factually inaccurate and does not belong to me. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are legally obligated to ensure that only accurate and verifiable information is reported. Your failure to verify and maintain accurate data is unacceptable and must be rectified immediately.Legal Basis for Dispute : 1. FCRA 607 ( b ) : It is your duty to maintain maximum possible accuracy in consumer reports. These incorrect names clearly violate this provision. 2. FCRA 611 ( a ) : You are required to investigate disputes within 30 days and correct or delete inaccurate information. 3. FCRA 1681e ( b ) : You must ensure the preparation of consumer reports with due care to avoid inaccuracies. - I demand that these incorrect entries be removed immediately and that you provide me with written confirmation of the removal. 
Additionally, under 1681g ( a ) ( 2 ), I request the source of this erroneous data, as well as a detailed explanation of your investigation once it is completed.Failure to address this issue may result in legal action for willful and negligent noncompliance under FCRA 1681n and 1681o. Please be advised that I am prepared to escalate this matter further if my credit file is not corrected within the statutory timeframe.I expect this dispute to be resolved promptly and confirmation of the correction to be sent to me within 30 days of your receipt of this letter. 
Incorrect Name : - XXXXXXXX XXXX XXXXXXXX I would like to respectfully draw your attention to the utmost significance of maintaining current records within your esteemed organization. It is with a sense of disappointment and apprehension that I have come across instances where the names contained in your system do not correspond with the personal information I have explicitly provided in this correspondence. Hence, I kindly request the immediate rectification of any such disparities to ensure the precision and integrity of your database. It is of utmost importance that the information you retain accurately reflects my identity, and I must stress that my exclusive name is XXXX XXXX XXXX. Your prompt attention to this matter is sincerely appreciated, as it will serve to prevent any further inconveniences or discontent. 
Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX I am writing to request your assistance in ensuring the accuracy of my personal information on record. I wish to stress that my only residential address is XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL, XXXX, and as such, I kindly request that any other address that does not match the aforementioned be promptly removed from your system. It is imperative that your database contains updated and precise details regarding my account, and I trust that you will take the necessary measures to ensure this. I appreciate your attention to this matter and look forward to your prompt response. Thank you for your time and cooperation. 
Incorrect XXXX : - XXXX I am writing to dispute inaccurate personal information that is being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, the following incorrect items must be corrected or deleted immediately : Incorrect Date of Birth : XXXX Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to maintain accurate and verifiable information in consumers files. 
These entries are factually incorrect and negatively affect my credit profile - The listed date of birth is incorrect and does not match my actual birthdate I demand that you investigate and remove or correct these items promptly as required under the FCRA. Additionally, under 1681g ( a ) ( 2 ), please provide me with the source of these inaccuracies and a full summary of your investigation once it is completed.Failure to correct these inaccuracies may result in legal action for negligent or willful noncompliance under 1681n and 1681o.

Furthermore, I expect all future correspondence regarding this dispute to be addressed in writing to the address listed below.Supporting Documents Enclosed :? [ Insert copies of ID, utility bill, or other evidence supporting your dispute. ] I request immediate correction of these errors and confirmation within 30 days, as mandated by FCRA regulations. Thank you for your prompt attention to this urgent matter XXXX XXXX : - XXXX Upon a careful review of the incorrect field, I have identified that the data supplied does not align with the prescribed standards. It lacks precision and fails to conform to the essential guidelines. In my understanding, strict adherence to the Metro 2 standards is imperative, allowing for no deviations. Consequently, I respectfully 3 of 17 urge you to expeditiously address and rectify this account, as the presence of incomplete, unverified, and inaccurate information carries the potential for adverse financial implications on my part. 
XXXX XXXX - XXXX I am writing to formally dispute the incorrect late payment reporting on my credit file for the above-referenced account. Upon reviewing my credit report, I identified inaccurate and misleading information that must be investigated and corrected immediately.The account in question ( XXXX XXXX ) has a Payment deferred status and reflects a payment deferment, as noted in the comments section of my report. This clearly indicates that payments have been deferred under an agreement with the lender, rendering the late payment entries completely invalid. The presence of these late payment notations is a significant error and misrepresents my financial obligations.I request that your investigation team : 1. Review the accounts payment deferment status and cross-check it with the lenders records. 2. Remove all late payment notations ( specifically the 90-day delinquency entry ) as these are factually incorrect based on the current account status. 3. Provide written confirmation of these corrections, including an updated copy of my credit file. - Per the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and notify me of the outcome. 
Please ensure that all incorrect information is removed promptly to prevent further damage to my credit standing The account associated with the name XXXX XXXX and the displayed account number XXXX on my report has not been proven to be accurately and comprehensively valid, let alone certifiably compliant with reporting standards. It is important to acknowledge that the XXXX XXXX XXXX XXXX XXXX XXXX ) itself has either implied or explicitly stated that any deviation from the law or established and expected credit reporting industry standards renders a claim deficient. Consequently, it becomes necessary to remove any and all such claims from the report and refrain from re-reporting them unless their lawful compliance with all prerequisites for accurate reporting can be substantiated. This course of action is mandatory, regardless of any apparent misapplication, willful ignorance, or reckless negligence on your part concerning your reporting practices and claims. Please make a note of any deviations, including but not limited to the following issues, as they provide valid grounds for the removal of the claim 's reportability in a satisfactory manner. 
XXXX XXXX - XXXX I am writing to formally dispute the incorrect late payment reporting on my credit file for the above-referenced account. Upon reviewing my credit report, I identified inaccurate and misleading information that must be investigated and corrected immediately.The account in question ( XXXX XXXX ) has a payment defferred status and reflects a payment deferment, as noted in the comments section of my report. This clearly indicates that payments have been deferred under an agreement with the lender, rendering the late payment entries completely invalid. The presence of these late payment notations is a significant error and misrepresents my financial obligations.I request that your investigation team : 1. Review the accounts payment deferment status and cross-check it with the lenders records. 2. Remove all late payment notations ( specifically the 90-day delinquency entry ) as these are factually incorrect based on the current account status. 3. Provide written confirmation of these corrections, including an updated copy of my credit file. - Per the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and notify me of the outcome. 
Please ensure that all incorrect information is removed promptly to prevent further damage to my credit standing It has come to my attention that the information presented in the upper section has not been proven to meet compliance reporting standards, nor has it been verified to be accurate, complete, timely, or validated. As a consumer, I kindly request that you provide documented proof of compliance reporting standards and applicable consumer laws, as well as an explanation of the measures you are taking to rectify this situation. 
I am disappointed that the information provided is deficient and unreliable. Therefore, I request that any imperfect, inaccurate, incomplete, and unverified information be deleted immediately, in order to ensure that my credit report remains accurate and up-to-date. 
Additionally, I would like to draw your attention to the image above for XXXX XXXX - XXXX, which highlights further areas of concern that require your urgent attention. 
XXXX XXXX - XXXX I am writing to formally dispute the incorrect late payment reporting on my credit file for the above-referenced account. Upon reviewing my credit report, I identified inaccurate and misleading information that must be XXXX of XXXX investigated and corrected immediately.The account in question ( XXXX XXXX ) has a Payment deferred status and reflects a payment deferment, as noted in the comments section of my report. This clearly indicates that payments have been deferred under an agreement with the lender, rendering the late payment entries completely invalid. The presence of these late payment notations is a significant error and misrepresents my financial obligations.I request that your investigation team : 1. Review the accounts payment deferment status and cross-check it with the lenders records. 2. Remove all late payment notations ( specifically the 90-day delinquency entry ) as these are factually incorrect based on the current account status. 3. Provide written confirmation of these corrections, including an updated copy of my credit file. - Per the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and notify me of the outcome. 
Please ensure that all incorrect information is removed promptly to prevent further damage to my credit standing The information presented in the upper section appears to lack proper compliance with reporting standards, and its accuracy, completeness, timeliness, and validation have not been verified. Therefore, I kindly request that you provide documented evidence of compliance with consumer laws and reporting standards. It is imperative that you take immediate action to remove any imperfect, inaccurate, incomplete, or unverified information. 
Furthermore, please refer to the image above for XXXX XXXX - XXXX to address any additional areas of concern. 
XXXX XXXX - XXXX I am writing to formally dispute the incorrect late payment reporting on my credit file for the above-referenced account. Upon reviewing my credit report, I identified inaccurate and misleading information that must be investigated and corrected immediately.The account in question ( XXXX XXXX ) has a Payment deferred status and reflects a payment deferment, as noted in the comments section of my report. This clearly indicates that payments have been deferred under an agreement with the lender, rendering the late payment entries completely invalid. The presence of these late payment notations is a significant error and misrepresents my financial obligations.I request that your investigation team : 1. Review the accounts payment deferment status and cross-check it with the lenders records. 2. Remove all late payment notations ( specifically the 90-day delinquency entry ) as these are factually incorrect based on the current account status. 3. Provide written confirmation of these corrections, including an updated copy of my credit file. - Per the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and notify me of the outcome. 
Please ensure that all incorrect information is removed promptly to prevent further damage to my credit standing I am disappointed that the documented proof of compliance reporting standards and applicable consumer laws has not been provided. This is a significant deficiency that needs immediate attention. I respectfully demand that the flawed and inaccurate report be deleted immediately. Otherwise, legal action may ensue against your company for failing to meet certain legal requirements regarding these matters. It is crucial to have accurate information to avoid any potential issues that could have been prevented with proper care and attention to detail. Please take this matter seriously. 
Additionally, please refer to the image above for XXXX XXXX - XXXX for additional areas of concern. 
XXXX XXXX - XXXX I am writing to formally dispute the incorrect late payment reporting on my credit file for the above-referenced account. Upon reviewing my credit report, I identified inaccurate and misleading information that must be investigated and corrected immediately.The account in question ( XXXX XXXX ) has a Payment deferred status and reflects a payment deferment, as noted in the comments section of my report. This clearly indicates that payments have been deferred under an agreement with the lender, rendering the late payment entries completely invalid. The presence of these late payment notations is a significant error and misrepresents my financial obligations.I request that your investigation team : 1. Review the accounts payment deferment status and cross-check it with the lenders records. 2. Remove all late payment notations ( specifically the 90-day delinquency entry ) as these are factually incorrect based on the current account status. 3. Provide written confirmation of these corrections, including an updated copy of my credit file. - Per the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and notify me of the outcome. 
Please ensure that all incorrect information is removed promptly to prevent further damage to my credit standing XXXX of XXXX Kindly be advised that the provided details, denoted as XXXX XXXX - XXXX, seem to exhibit apparent inconsistencies with the mandatory standards set for ethical and compliant assertion of this particular claim. In accordance with XXXX guidelines, any divergence from the established standard raises concerns regarding the credibility of the asserted data. Observable cues suggest the presence of plausible irregularities in adhering to the essential XXXX XXXX format Standard ( s ) for accurate reporting. 
XXXX XXXX - XXXX I am writing to formally dispute the incorrect late payment reporting on my credit file for the above-referenced account. Upon reviewing my credit report, I identified inaccurate and misleading information that must be investigated and corrected immediately.The account in question ( XXXX XXXX ) has a Payment deferred status and reflects a payment deferment, as noted in the comments section of my report. This clearly indicates that payments have been deferred under an agreement with the lender, rendering the late payment entries completely invalid. The presence of these late payment notations is a significant error and misrepresents my financial obligations.I request that your investigation team : 1. Review the accounts payment deferment status and cross-check it with the lenders records. 2. Remove all late payment notations ( specifically the 90-day delinquency entry ) as these are factually incorrect based on the current account status. 3. Provide written confirmation of these corrections, including an updated copy of my credit file. - Per the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and notify me of the outcome. 
Please ensure that all incorrect information is removed promptly to prevent further damage to my credit standing XXXX XXXX - XXXX I hereby submit a formal request for the cessation of reporting regarding the aforementioned account. Kindly provide documented evidence attesting to the accuracy and validation of all details, encompassing notations, dates, balances, compliance condition code ( s ), and any pertinent elements within the Metro 2 compliance segment and field ( s ). Your prompt attention to this matter is greatly appreciated. 
XXXX XXXX - XXXX I am writing to formally dispute the incorrect late payment reporting on my credit file for the above-referenced account. Upon reviewing my credit report, I identified inaccurate and misleading information that must be investigated and corrected immediately.The account in question ( XXXX XXXX ) has a Payment deferred status and reflects a payment deferment, as noted in the comments section of my report. This clearly indicates that payments have been deferred under an agreement with the lender, rendering the late payment entries completely invalid. The presence of these late payment notations is a significant error and misrepresents my financial obligations.I request that your investigation team : 1. Review the accounts payment deferment status and cross-check it with the lenders records. 2. Remove all late payment notations ( specifically the 90-day delinquency entry ) as these are factually incorrect based on the current account status. 3. Provide written confirmation of these corrections, including an updated copy of my credit file. - Per the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and notify me of the outcome. 
Please ensure that all incorrect information is removed promptly to prevent further damage to my credit standing I must express my disappointment that despite my repeated requests, you have not yet provided me with any documented proof of compliance reporting standards and applicable consumer laws. This deficiency is significant and can not be overlooked. 
As a result, I kindly request that you take immediate action to delete this flawed and inaccurate report from your records. Failure to do so may result in legal action being taken against your company for failing to meet the requirements set out by law with regards to these matters. 
It is imperative that we have access to accurate and reliable information in order to prevent preventable issues from arising in the future. Therefore, I would appreciate it if you could provide me with the necessary documentation, so that I may better understand the situation at hand. 
In addition, please refer to the attached image pertaining to my XXXX XXXX - XXXX, which highlights additional areas of concern. I would greatly appreciate it if you could take the necessary steps to address these concerns promptly. 
XXXX of XXXX XXXX XXXX - XXXX I am writing to formally dispute the incorrect late payment reporting on my credit file for the above-referenced account. Upon reviewing my credit report, I identified inaccurate and misleading information that must be investigated and corrected immediately.The account in question ( XXXX XXXX ) has a Payment deferred status and reflects a payment deferment, as noted in the comments section of my report. This clearly indicates that payments have been deferred under an agreement with the lender, rendering the late payment entries completely invalid. The presence of these late payment notations is a significant error and misrepresents my financial obligations.I request that your investigation team : 1. Review the accounts payment deferment status and cross-check it with the lenders records. 2. Remove all late payment notations ( specifically the 90-day delinquency entry ) as these are factually incorrect based on the current account status. 3. Provide written confirmation of these corrections, including an updated copy of my credit file. - Per the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and notify me of the outcome. 
Please ensure that all incorrect information is removed promptly to prevent further damage to my credit standing I kindly request that you provide documented proof of compliance reporting standards and applicable consumer laws for the information in the upper section. Regrettably, the information has not yet been verified to meet compliance reporting standards, and its accuracy, completeness, and timeliness can not be confirmed at this time. As the information is deficient, it would be greatly appreciated if you could take prompt action to ensure its accuracy by providing the necessary documentation. Furthermore, I respectfully request that any imperfect, inaccurate, incomplete, and unverified information be deleted promptly. Thank you for your understanding and cooperation. 
May I kindly draw your attention to the image above for XXXX XXXX - XXXX, which highlights areas of concern related to the information in question. 
XXXX XXXX - XXXX I am writing to formally dispute the incorrect late payment reporting on my credit file for the above-referenced account. Upon reviewing my credit report, I identified inaccurate and misleading information that must be see attachment

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