Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am formally disputing any unsubstantiated or inaccurate information in my credit report, adhering to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 data field reporting standard. I am deeply concerned about the allegations of delinquency and derogatoriness without factual proof, as this violates federal and state laws. It is essential to adhere to legal standards by ensuring the accuracy and legality of all claims within my credit report. 

I respectfully request that you provide tangible, verifiable evidence to support the accounts existence and its proper usage for authorized purposes. If such evidence is unavailable, I insist on the immediate removal of the account from my credit report. I hereby XXXX authorization for the physical mailing of documentation detailing your actions and any subsequent updates to my credit report. 

Listed below are the Public Records that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am deeply disappointed and angered by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment and adherence to the FCRA and Metro 2 standards are expected. Provide a verified document with evidence for each claim to preserve data integrity. 

The credit report I received is alarming, as it fails to meet accuracy standards. Uncertainty surrounds the reporting process and proper formatting, casting doubt on the credibility of the claims. Controversial claims lack independent verification, raising further concerns. 

I urgently request the removal of false accounts from my credit report to prevent future financial harm. My credit report is my lifeline, and I insist on factual accuracy, verification, and compliance. 

Listed below are the Public Records that are being challenged : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to express my disappointment and concern regarding the information on my credit report. It is crucial to emphasize that I am committed to upholding the principles of fairness and accuracy outlined in the FCRA and the standard Metro 2 data field reporting. Regrettably, I must contest the presence of unverified claims of delinquency and derogatoriness, as they lack substantiated evidence. It is imperative that you adhere to federal and state laws, ensuring the accurate and complete reporting of allegations, refraining from any unethical practices. I respectfully urge you to rectify any inaccuracies and provide verifiable evidence of the accounts validity and permissible usage, as stipulated by the Metro 2 reporting standard. Furthermore, I authorize the mailing of physical documentation of your actions and my updated credit report for my review and verification. 

Listed below are the Public Records that are being challenged : XXXX - XXXX This public record is outdated and no longer legally reportable. Filed on XX/XX/year> and now XXXX, it exceeds the XXXX to XXXX federal limit under FCRA 1681c ( a ) and carries no balance, no named plaintiff, and no verified legal relevance. You are reporting an aged, unverifiable public record without proof of continued accuracy or public interest. If you can not provide updated court validation or a permissible reason for furnishing this data, DELETE it immediately under federal law. 

XXXX - XXXX I would like to bring to your attention that unless you possess information that should have been redacted from my XXXX  documents, you are not authorized to verify the authenticity of this XXXX  claim. Your actions may be perceived as a violation of 15 USC 1681b, pertaining to permissible purposes for accessing consumer credit information. Hence, I request that you kindly delete the aforementioned information without any delay. 

If you are the entity claiming that I owe a debt and can prove it, please be aware that this is not a statement of refusal to pay. Instead, I am providing notice in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, that your claim appears to lack the necessary reporting mandates. Therefore, I request that you demonstrate, with factual evidence, that your reporting practices were fully compliant with the laws and standards required of you. Otherwise, your claim can not be proven and its integrity as reported is questionable, which would constitute a violation of your duty to report accurately and result in liability for you and compensation for me if I file and win lawsuits. 

In addition, please note that this is not a request for verification of my mailing address. Rather, I am requesting evidence of your valid and adequate validation process, made in accordance with 15 USC 1692g, which would lead to the reporting of verified and accurate information about me. I respectfully ask your office to promptly provide me with evidence that I have a legal obligation to pay you, despite your current failure or unwillingness to substantiate your claim ( s ) and to demonstrate that your reporting practices were ethical and fair, resulting in only truthful, accurate, and complete claims against me.

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