Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 
Attention : Consumer Inquiries XXXX XXXX XXXX XXXX, PA XXXX AND XXXX XXXX XXXX XXXX 
A part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX COMPLIANCE VERIFICATION REQUEST AND DEMAND FOR REMOVAL OF INACCURATE PERSONAL INFORMATION Social Security Number : XXXX Date of Birth : XX/XX/XXXX To Whom It May Concern : I am writing this letter pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., to demand immediate verification of Metro 2 compliance and removal of inaccurate personal information from my consumer files maintained by BOTH XXXX XXXX XXXX ( owned by XXXX ) and XXXX XXXX XXXX XXXX XXXX owned by Experian ). 

DEMAND FOR XXXX XXXX FORMAT COMPLIANCE VERIFICATION I hereby formally request that BOTH XXXX, XXXX and XXXX XXXX XXXX  XXXX conduct a thorough compliance verification of all information in my consumer files according to the mandatory Metro 2 Format Reporting Standards as established by the Consumer Data Industry Association ( CDIA ) and required under the FCRA, FCBA, and ECOA.

Specifically, I am requesting verification that all data fields in my consumer files strictly adhere to the standardized format codes and requirements detailed in the most current Credit Reporting Resource Guide ( CRRG ) for the following sections : 1. Base Segment fields related to consumer identification 2. Field verification of Consumer Account Name, Address, and Phone fields 3. Compliance with Consumer Information Indicator codes 4. Verification of proper Date of Account Information reporting 5. Accuracy of Payment History Profile reporting As you are aware, the e-OSCAR system ( used by all major credit reporting agencies including XXXX ) is required to maintain strict adherence to Metro 2 standards. Any deviation from these standards constitutes a violation of the FCRA and is grounds for immediate removal of non-compliant information.

INACCURATE PERSONAL INFORMATION TO BE REMOVED I have identified the following inaccurate personal information in my consumer file that must be immediately removed : XXXX. Name Variations : My only correct name is XXXX XXXX. The following variations are incorrect and must be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect Phone Numbers : - XXXX - XXXX These phone numbers are not and have never been associated with me. 

XXXX. Incorrect Previous Addresses : The following addresses are incorrectly listed in my file and must be removed : - XXXX XXXX XXXX, XXXX, LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX - XXXX XXXX XXXX XXXX XXXX, LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX XXXX. IDENTITY THEFT CONCERNS : I believe some of this information is the result of identity theft LEGAL DEMAND AND NOTICE Under the FCRA, you are required to follow reasonable procedures to assure maximum possible accuracy of the information in my consumer file. The inclusion of the above inaccurate personal information demonstrates a failure to maintain Metro 2 compliance and violates multiple provisions of the FCRA, including but not limited to : 1. Section 623 ( a ) ( 1 ) ( B ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ) - duty to correct and update information 2. Section 623 ( a ) ( 2 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) - duty to provide notice of dispute 3. Section 623 ( a ) ( 5 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ) - duty to provide notice of furnishing negative information Additionally, I believe there are specific Metro 2 Format violations regarding : 1. Field integrity in the Base and J1/J2 Segments as documented in the CRRG 2. Improper standardization of address formats 3. Improper use of the Payment History Profile ( Payment Rating codes ) 4. Inaccurate data in the Address Indicator and Telephone fields IDENTITY THEFT BLOCK REQUEST I believe some of the inaccurate information in my file results from identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that you block and remove all information resulting from identity theft within 4 business days of receipt of this letter. 

PRIVACY VIOLATION NOTICE Additionally, I believe you are sharing my nonpublic personal information with nonaffiliated third parties without providing me with a compliant notice and opt-out opportunity pursuant to 15 USC 6802 , which further compounds the issues surrounding this matter.

I DEMAND that you : 1. Conduct a thorough investigation into the Metro 2 Format compliance of all information in my consumer file in accordance with the most current CRRG standards ; 2. Utilize the e-OSCAR ( Online Solution for Complete and Accurate Reporting ) system to electronically verify compliance of all data fields ; 3. Immediately remove ALL inaccurate personal information identified above ; 4. Block all information resulting from identity theft within 4 business days as required by FCRA 605B ; 5. Cease sharing my nonpublic personal information with nonaffiliated third parties ; 6. Provide me with documentation of your verification process, including specific references to the Metro 2 Format fields examined and any non-compliant elements discovered ; 7. Provide me with written confirmation of the removal of this information within 30 days, as required by the FCRA ; 8. Provide me with documentation detailing the specific method of verification used to confirm the accuracy of any information you claim to be accurate ; 9. Provide me with an updated copy of my credit report at no charge ; 10. Notify all parties who have received my consumer report within the last six months of these corrections, as required under FCRA Section 611 ( d ) ( 15 U.S.C. 1681i ( d ) ).

Failure to comply with this demand within the 30-day timeframe specified by the FCRA may result in further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential civil litigation.

I expect your prompt attention to this matter and look forward to your written response confirming compliance with my demands. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau Federal Trade Commission Enclosures : - Copy of government-issued identification - Proof of current address ( utility bill/bank statement ) - [ Any other supporting documentation ]

Company response to consumer: Closed with explanation