Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN VIOLATIONS OF FCRA AND METRO 2 GUIDELINES DEMAND FOR DELETION AND PERMANENT BLOCKING To Whom It May Concern : This is a formal and urgent complaint against Experian for willful and repeated violations of federal law under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards. Experian has failed to lawfully and fully comply with : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a lawful and complete reinvestigation of disputed information 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification, including full details of the investigation, names of parties contacted, and all documentation relied upon 15 U.S.C. 1681c-2 ( a ) Failure to permanently block and delete fraudulent data after proper notice of identity theft Metro 2 Guidelines Reporting multiple charge-offs and incorrect derogatory data, which violates federal accuracy standards Despite being provided with my official FTC Identity Theft Report XXXX # XXXX ), valid government-issued identification, and detailed dispute requests, Experian continues to knowingly report multiple inaccurate, unverifiable, and fraudulent accounts as verified. To date, Experian has not provided : A method of verification The names and contact information of those involved in the investigation Copies of any signed contracts or account applications Any original documentation proving I authorized or opened the disputed accounts This is a direct violation of federal law. If Experian can not provide all the documentation and evidence requested, I am demanding the immediate deletion and permanent blocking of all accounts listed below in accordance with FCRA 1681i ( a ) ( 5 ) and 1681c-2 ( a ). 



DISPUTED ACCOUNTS : XXXX. XXXX XXXX XXXX DE Account # : XXXX Reporting multiple 180-day late payments. I was never late on this account, and no method of verification or supporting documents have been provided. 
XXXXXXXX XXXX XXXX  XXXX Account # : XXXX A fraudulent account listed in my FTC Identity Theft Report. 
Experian is reporting multiple charge-offs on the same tradeline a Metro 2 violation. 
No authorization, no signed contract, and no verification details have been provided. 
XXXX. XXXX XXXXXXXX XXXX  XXXX accounts beginning in XXXX Each of these accounts is fraudulent and shows repeated delinquencies and multiple charge-offs, which are also Metro 2 violations. 
No legal or verifiable documentation has been submitted to prove I opened or authorized any of these accounts. 
XXXX. XXXX XXXX XXXX Account # : XXXX Fraudulent auto loan showing repeated lates ( 30 to 180 days ) and a {$20000.00} charge-off. 
I never opened this account and it is listed in my FTC report as identity theft. No supporting documents or verification details have been produced. 
XXXX. XXXX XXXX XXXX Account # : XXXX Falsely reported as charged off every month for over 75 months, which is legally impossible and violates Metro 2 standards. 
I never applied for or signed for this loan. Experian has failed to provide verification or evidence of ownership. 



LEGAL VIOLATIONS COMMITTED : 15 U.S.C. 1681e ( b ) Failing to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failing to conduct a full reinvestigation 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failing to provide method of verification and documentation 15 U.S.C. 1681c-2 ( a ) Failing to block fraudulent information upon notice of identity theft FCRA 602 ( A ) Failing to ensure accuracy, fairness, and confidentiality in credit reporting Metro 2 Compliance Reporting multiple charge-offs on the same tradeline and other inaccurate data RESOLUTION DEMANDED : If Experian can not provide the method of verification, full details of the investigation conducted, and all documentation proving these accounts belong to me, I demand : Immediate deletion and permanent blocking of all listed accounts under FCRA 1681i ( a ) ( 5 ) and 1681c-2 ( a ). 

These accounts are fraudulent, unverifiable, inaccurate, and legally required to be removed. 

I am submitting the following documentation with this complaint : FTC Identity Theft Report # XXXX Copy of my government-issued ID Current Experian credit report showing all violations Formal dispute requiring human review under FCRA 1681e ( b ) and 1681i ( a ) FINAL NOTICE : Experians continued refusal to delete these inaccurate and unverifiable accounts is causing ongoing harm and emotional distress. I reserve the right to pursue damages under : 15 U.S.C. 1681n Willful noncompliance 15 U.S.C. 1681o Negligent noncompliance If these accounts are not immediately deleted, I will escalate this matter to legal action seeking statutory, actual, and punitive damages. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX ( XXXX ) XXXX XXXX : XXXX XXXX : XXXX Date : XX/XX/XXXXXXXX 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