Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as a formal demand for immediate investigation, correction, and remedy of the violations and inaccuracies on my credit report. The information reported is inaccurate, unverifiable, and harmful to my financial standing. Your companys non-compliance with federal regulations demonstrates a disregard for consumer rights, including mine. Below, I have outlined the specific accounts and corresponding violations.

1. Violations for Charge-Off Reporting : FCRA 607 ( b ) : Failure to ensure maximum accuracy of information reported.

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to properly investigate disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information that is known or should be known to be inaccurate. 
IRS XXXX Guidelines : Reporting charged-off debts without adhering to tax reporting obligations.

Violations for Late Payment Reporting : FCRA 607 ( b ) : Failure to ensure maximum accuracy of reported payment data.

FCRA 611 ( a ) ( 5 ) ( A ) : Failure to promptly delete or correct inaccurate or incomplete information.

FCRA 623 ( a ) ( 2 ) : Continuing to report late pa
yments without updating them after a dispute.

FCRA 611 ( d ) : Re-reporting disputed late payments without proper certification of accuracy.

Violations for Credit Cards : FCRA 607 ( b ) : Reporting inaccurate credit card account balances or payment statuses.

FCRA 623 ( a ) ( 3 ) : Reporting accounts as d
elinquent without proper investigation.

FCRA 623 ( a ) ( 1 ) ( B ) : Furnishing unverifiable information after a consumer dispute.

FCRA 611 ( a ) ( 2 ) : Failure to investigate disputed credit card data within the required timeframe. Account # 1 : Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Unauthorized collection account opened fraudulently ; data is inaccurate and unverifiable. 
Action : Immediate deletion of this account from my credit file.

Metro 2 Compliance : This account must be reported in strict accordance with the Metro 2 Format Guidelines as defined by the CDIA. Non-compliant reporting constitutes a violation of industry standards. 
XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 
Account # XXXX : Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX Status : Collection ( Status Updated : XX/XX/XXXX ) Reason : Fraudulent account containing unverifiable data ; marked as company sold without supporting documentation. 
Action : Immediate removal from my credit file.

Metro 2 Compliance : Must comply with Metro 2 Format Guidelines as established by the CDIA.

Case Law : CFPB v. Experian ( XXXX ), which underscores the obligation of accurate validation of disputed information. 
Account # XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reason : Unauthorized collection account containing inaccurate and unverifiable information. 
Action : Immediate deletion from my credit report.

Metro 2 Compliance : Reporting for this account must fully adhere to the Metro 2 Format Guidelines per CDIA standards. 
XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). 
Account # XXXX : Account Number : XXXX Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection ( Status Updated : XX/XX/XXXX ) Reason : Fraudulent account reported as company sold without proper documentation ; information is unverifiable. 
Action : Immediate deletion from my credit report.

Metro 2 Compliance : This entry must be reported in compliance with Metro 2 standards to ensure full verification. 
XXXX XXXX : CFPB v. XXXX ( XXXX ). 
Account # XXXX : Account Name : XXXX XXXX XXXX XXXX Reported Balance : {$1000.00} Date Opened : XX/XX/XXXX Reason : Fraudulent account lacking proper validation ; opened without my consent. 
Action : Immediate removal from my credit file.

Metro 2 Compliance : Must be reported in strict adherence to Metro 2 Format Guidelines. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
Account # XXXX : Account Name : XXXX, XXXX & XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX ( via XXXXXXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Reason : Unauthorized and unverifiable account containing false information that is damaging my credit profile. 
Action : Immediate deletion from my credit file.

Metro 2 Compliance : Must be reported in full compliance with Metro 2 standards as specified by the CDIA. 
XXXX XXXX : CFPB v. XXXX ( XXXX ). 
Account # XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection ( Status Updated : XX/XX/XXXX ) Reason : Fraudulent collection account that is unverifiable and was not authorized.

Action : Immediate removal from my credit report.

Metro 2 Compliance : Must be reported according to Metro 2 Format Guidelines as established by the CDIA.

Case Law : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). 
Account # XXXX : Account Number : XXXX Original Creditor : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Status : Collection ( Status Updated : XX/XX/XXXX ) Reason : This account, reporting a balance of {$13.00}, is inaccurate and reflects unauthorized activity. 
Action : Immediate deletion from my credit report. Metro 2 Complian
ce : Reporting must fully conform to the Metro 2 Format Guidelines set forth by the CDIA.

Case Law : CFPB v. Experian ( XXXX ). 
Account # XXXX : Account Number : XXXX Original Creditor : XXXX Date Opened : XX/XX/XXXX Status : ( Status Updated : remove delete

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