Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
Dear Respected Compliance Services Team ; NOTICE OF DISPUTE : WILLFUL FCRA/FDCPA/ECOA/and or CDIA VIOLATIONS I formally dispute multiple inaccurate entries in my credit file violating 15 U.S.C. 1681e ( b ) 's accuracy mandate affirmed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. These errors mirror violations in the FTC 's $ XXXX XXXX XXXX XXXX and breach Metro 2 standards courts recognize as industry requirements. Your continued reporting despite notification constitutes willful noncompliance under XXXX XXXX XXXX Banking, XXXX XXXX XXXX, causing concrete harm recognized in XXXX XXXX XXXX XXXX XXXX S.Ct. XXXX. It is MY Demand, to witness your immediate investigation, Metro 2 compliance verification, and deletion of all unverified information. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I formally dispute all inaccurate and defamatory entries that violate FCRA mandates for maximum possible accuracy and demand immediate corrective action to expunge these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove all negative entries NOW! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  No validationdelete now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediate deletion of false negative account! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Delete immediately. This entry is inaccurate! 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Immediate compliance requires deletion of this misinformation! 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Cease reporting this unverified item immediately! 
XXXX XX/XX/XXXX Remove this defamatory mark immediately. 
XXXX XXXX XXXX XX/XX/XXXX Correct report instantly ; erroneous entry must be deleted. 
XXXX XXXX XXXX  XX/XX/XXXX Erasure of this item is legally required immediately! 
XXXX XXXX XXXX XXXX XX/XX/XXXX Remove this data now, as legally required. 
XXXX XXXXXXXX XX/XX/XXXX Remove inaccuracies now. Immediate compliance is compulsory. 
Page XXXX of XXXX XXXX XX/XX/XXXX Remove this entry to maintain compliance. 
XXXX XX/XX/XXXX Remove inaccurate derogatory account immediately! 
XXXX XX/XX/XXXX Delete this item now, as mandated by regulations. 
XXXX XXXX  XX/XX/XXXX Incorrect Obligated to delete, REMOVE now! 
XXXX XXXX XXXX XX/XX/XXXX Remove false claim promptly as per legal requirements. 
XXXX XX/XX/XXXX Delete this invalid entry immediately. 
XXXX XXXX XX/XX/XXXX Remove this from all records, as required. 
XXXX XXXX XXXXXX/XX/XXXX Non-Metro 2remove immediately. 
XXXX XXXX XX/XX/XXXX Immediately and permanently REMOVE from reporting this claim. 
XXXX XX/XX/XXXX Misreported itemdelete stat. 
XXXX XX/XX/XXXX No validationdelete now. 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Remove this record immediately, per legal requirements. 
XXXX XXXX XXXX XX/XX/XXXX You MUST REMOVE now! 
XXXX XXXXXX/XX/XXXX Cease reporting, data is unsubstantiated immediately. 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Remove inaccuracies promptly as legally required. XXXX XXXX  Remove this unverified claim per FCRA 611.

All alleged negative items cited in this notice of lawful consumer complaint, along with their associated Data Field Point ( DFP ) postulations underlying these egregious misrepresentations of my creditworthiness, remain entirely undocumented and noncompliant with federally mandated reporting standards and the Consumer Data Industry Association ( CDIA ), s Credit Reporting Resource Guide ( CRRG ). Despite my repeated and justified demands, you have failed to present compelling evidence demonstrating lawful adherence to reporting practices, procedures, and processes. Moreover, you have neglected to certify that your reporting conforms to Metro 2 Format requirements, the industry, s definitive standard for ensuring maximum possible accuracy, completeness, timeliness, fairness, and reasonableness of reported data. These glaring failures represent willful violations of consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). 
Your shameful blatant and continued dissemination of erroneous, defamatory, and materially harmful misinformation constitutes a direct and injurious breach of my rights, perpetuating undue harm to my financial reputation and legal standing. Accordingly, I demand the immediate and permanent deletion of all unsubstantiated, inaccurate, and detrimental negative entries. Compliance with federal statutes and Metro 2 guidelines is not optionalit is a binding obligation. Further neglect to rectify these violations will compel me to pursue all necessary legal remedies to enforce accountability and protect my rights.

Remedy this matter immediately and without delay. Compliant reporting is the LAW, not an OPTION!

This formal dispute identifies material inaccuracies attributable to failures in complying with Metro 2 format requirements. The subsequent detailed analysis will demonstrate how the reported data deviates from the structured data reporting guidelines established within the CDIA 's CRRG, thus constituting misleading and potentially illegal reporting tactics. The CFPB, s findings on inaccurate reporting practices further emphasize the need for immediate corrective action.

As an informed consumer, I yet again assert my rights under federal and industry standards, challenging all derogatory entries improperly reported within my credit profile. These entries are patently noncompliant with statutory obligations, regulatory precedents, and accuracy requirements. Reevaluate these erroneous reports and take compliant actions to eradicate any negative information, particularly the inaccuracies highlighted herein :

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