Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am formally requesting an immediate investigation and deletion of multiple inaccurate and unlawfully reported accounts currently appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), Metro 2 compliance guidelines, and IRS reporting standards.

According to FCRA 611, you are required to conduct a reasonable reinvestigation within 30 days. Additionally, under 609, I have the right to full disclosure of all sources, contracts, and verification methods used to report any account. If you can not provide proper verification, these items must be removed. 
XXXX. Factual and Technical Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is listed as charged off with a balance, which constitutes a direct violation of IRS 1099-C cancellation of debt rules. If a 1099-C was issued, the account must report a {$0.00} balance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charged-off account still shows a balance, violating both Metro 2 reporting and IRS guidelines XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : * * This account is being reported as a charge-off with a balance. If it was forgiven or settled, a 1099-C must have been issued. If not, proof must be provided. 
XXXX XXXX XXXX XXXX XXXX XXXX  ) : * * XXXX still showing after charge-offMetro XXXX noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : * * Charge-off showing balance ; no supporting documentation or payment history provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : * * Old charge-off still reporting, potentially re-aged. I demand Metro 2 audit for accuracy.

2. Late Payment Reporting Violations XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : * * Late payments reported despite no clear contract and no proof of proper notification or billing. 
XXXX XXXX XXXX XXXX XXXX XXXX  ) : * * Late payments reported without providing a single billing statement or contract under FCRA 609. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : * * Payment history reported inaccurately after closureviolates Metro 2 status and FCRA 623 obligations for data furnishers.

3. Unauthorized Hard Inquiries No Permissible Purpose You are reporting the following hard inquiries, which I never authorized. Under FCRA 604, you may only report such inquiries with my explicit written permission. These companies have failed to demonstrate a permissible purpose and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Legal Demands I am requesting the following under federal law : Full method of verification used for each disputed item Original signed contracts or application bearing my signature ( FCRA 609 ( a ) ( 1 ) ) Name and contact information of the data furnisher ( FCRA 611 ( a ) ( 7 ) ) Deletion of any item that can not be fully verified, validated, and legally reported 5. Final Warning Before Escalation If these accounts and inquiries are not removed or corrected within the 30-day time frame mandated by FCRA, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. Continued noncompliance may result in legal action.

I expect to receive the results of this investigation at the address listed above. Please take this matter seriously and act in accordance with federal law. 
Sincerely, XXXX 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