Consumer complaint received 2025-06-06 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: AZ

Complaint narrative:
I wish to formally dispute any inaccurate or unsubstantiated information present on my credit report, in alignment with the Fair Credit Reporting Act ( FCRA ) and the established Metro 2 data field reporting standard. It is imperative that all claims adhere to federal and state laws, ensuring factual and precise reporting. I kindly request you furnish verifiable evidence supporting the account 's existence and lawful usage. Should this not be feasible, I request its removal from the report, and I grant authorization for the mailing of physical documentation detailing your actions and my updated credit report. 

Listed below is the personal information being challenged : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Incorrect DOB : XXXX Employer : XXXX XXXX XXXX  Employer : XXXX XXXX XXXX Employer : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Listed below is the account being challenged : XXXX XXXX XXXX  XXXX According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

I am writing to bring to your attention an important matter regarding my account with your esteemed institution. My account details are as follows : Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX I humbly request your kind attention to ensure that my sole address is accurately recorded as : Correct Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I urge you to remove any other address that does not match the one provided in this letter from your database. As a valued customer, I strongly believe that it is essential to maintain accurate and up-to-date information in your records. 

As an individual with the role of a consumer, I have enumerated my concerns regarding your reporting practices within this document. However, I must assert that it is incomplete and fails to meet the necessary standards mandated by law. According to legal provisions, it is imperative for your organization to adhere to the requirements outlined by both the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. These obligations entail the provision of accurate and timely information, ensuring that none of my rights are compromised or infringed upon. 

I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and Metro 2 standards. It is imperative that allegations are supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the Metro 2 standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. If not provided, I request removal from the report and authorize the mailing of physical documentation of actions taken and my updated credit report. 

Listed below is the personal information being challenged ( repeated ) : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect DOB : XXXX Employer : XXXX XXXX XXXX Employer : XXXX XXXX XXXX Employer : XXXX XXXX  Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Listed below are the accounts being challenged : XXXX XXXX XXXX XXXX Listed below are the collections being challenged : XXXX XXXX : XXXX Listed below are the inquiries being challenged : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I am writing to express my deep concern, disappointment, and frustration regarding the address associated with my account. I have previously requested that this address be removed from my file, as it is no longer valid and has been deemed non-deliverable by the United States Postal Service. However, I note with regret that despite my repeated requests, this outdated address still remains on my file. 

I can not stress enough the importance of rectifying this issue promptly, as incorrect personal information on my file could lead to serious consequences. I wish to remind you that as a provider of financial services, you have a responsibility to ensure the accuracy and completeness of my personal information. Moreover, any delay in addressing this issue could leave me exposed to the possibility of identity fraud. 

I would like to make it clear that I have never resided at the aforementioned address and hence demand that you immediately remove it from my credit file. Your failure to do so could result in further action being taken against your organization. 

I respectfully request the swift removal of any derogatory accounts from my consumer credit reports that lack verifiable information or fail to comply with the established reporting standards. This is particularly vital if the accuracy, timeliness, completeness, ownership, and adherence to Metro 2 data field formatting standards are not definitively established, as per both state and federal reporting laws, such as the Fair Credit Reporting Act.

It is important to note that, as mandated by this Act, you have a maximum of 30 days to complete this necessary investigation. I anticipate your prompt action in rectifying any inaccuracies and ensuring my credit report reflects accurate, complete, and compliant information. 

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, challenging their reportability according to the FCRA and the accepted standard of Metro 2 data field reporting. Federal and state laws mandate accurate and complete reporting of allegations, and it is inappropriate to report unlawful claims. 

I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage, and if lacking, I expect its removal from the report. I authorize you to send me physical documentation of your actions and an updated credit report to ensure compliance with the Metro 2 reporting standard. 

Listed below is the personal information being challenged ( repeated ) : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect DOB : XXXX Employer : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Listed below is the account being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below is the collection being challenged : XXXX XXXX XXXX XXXX XXXXXXXX The preceding message represents my sincere effort to collaborate with you in order to find a mutually agreeable solution to the current matter. If I can not reach an amicable resolution, I may have no choice but to pursue legal action against you, seeking compensation for any financial harm caused by your reported inaccuracies, as well as any penalties that may apply. Your reporting practices have resulted in my unjustified credit rejections and higher interest rates. To remedy this situation, I am offering you the opportunity to make appropriate adjustments. 

It is imperative that I fully understand that I will only accept confirmed, legally compliant claims information that is accurate and complete, as any discrepancies or inadequacies could compromise the integrity of the alleged claims ( see XXXX XXXX XXXX ). Therefore, I am giving you a deadline of 7 days from the receipt of this letter to provide a response that is beyond reproach and in total compliance with reporting requirements. Failure to comply may result in legal action, which could have severe financial consequences for your company. 

It is in both our interests to take immediate action, and if you choose one of the available options I have presented, I will consider this matter resolved and take no further action. 

I also require proof of any and all claims in the form of a notarized statement from a person with original knowledge of the debt, who can attest to its legality and confirm that it was not disputed due to faulty products, used for tax deductions, or claimed as a loss with any insurance provider during the relevant period.

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