Consumer complaint received 2025-06-06 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: NY

Complaint narrative:
I am deeply concerned about the violation of my consumer rights due to the dissemination of inaccurate information. I expect fair treatment and request a detailed explanation of how accuracy and compliance responsibilities have been neglected. Negative information, whether certified or not, is unacceptable to me ; what truly matters is factual and truthful data concerning your company and my credit profile. 

The inaccurate credit report I received is surprising, as it should adhere to the FCRA and applicable Metro 2 data field formatting standards. I challenge you to provide a verified, complete, and truthful document that substantiates each claim. Failure to follow these standards, as outlined in the XXXX  XXXX, jeopardizes data integrity, which is a serious matter. Removing any false accounts promptly is essential to prevent future financial consequences. My credit report holds significant importance, and I expect only accurate, verified, and compliant data to be documented. 

Listed below is the personal information that is being challenged : Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Incorrect Name : XXXX, XXXX, J Incorrect Previous Address : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, NY XXXX Listed below are the collections that are being challenged : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ) and Metro 2 compliance standards. 

May I challenge you to review your data on file for me, as I believe there may be inaccuracies or deficiencies in the reporting? The credit report I received was not in compliance with the FCRA and applicable Metro 2 data field formatting standards. Therefore, I am requesting that you provide me with a verified document that shows all of the evidence with sources to address any deviations from these standards that could jeopardize the integrity of data, as outlined in the XXXX  XXXX. 

I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter. 

Listed below is the personal information that is being challenged : Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature or electronic signature. Please review this letter meticulously, as it is submitted on my behalf. I have not authorized such actions, which potentially constitute a violation of my consumer rights under the Fair Credit Reporting Act Section 604. 

I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated. 

Listed below is the personal information that is being challenged : Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Employer : XXXX ( Incorrect ) Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NY XXXX Listed below are the collections that are being challenged : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Listed below is the inquiry that is being challenged : XXXX XXXX XXXX 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 hope this message finds you in good health. I am writing to address an issue regarding my account and incorrect current address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX. It has come to my attention that there is a discrepancy in the address listed on certain records, which deviates from the required reporting standards. I kindly request your immediate attention to rectify this by deleting any listings not matching my current residence at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Ensuring accuracy is crucial, and I appreciate your prompt action in resolving this matter. 

I respectfully urge the removal of inaccurate information from my credit report and request verifiable evidence of permissible reporting. Failure to provide such proof should result in a complete deletion, aligning with Fair Credit Reporting Act compliance. There is currently no physical evidence of my authorization for the reported data. I also request the concerned companies to provide a copy of my signed authorization within five business days for validation. Your prompt resolution of this matter is greatly appreciated in ensuring compliance with regulatory standards.

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