Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Nature of Complaint : Unlawful Reporting and Failure to Correct Inaccuracies in Violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Standards Summary of Violations : Unverified and Fraudulent Accounts : Accounts reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX were not authorized by the undersigned. 

Despite disputes, Experian verified and updated these accounts without substantiating documents from the furnishers.

FCRA Violations : 604 ( b ) : Reporting unauthorized accounts and hard inquiries without permissible purpose.

611 ( a ) : Failure to conduct a lawful and reasonable reinvestigation of disputed information.

611 ( b ) : Failure to delete information that can not be verified.

623 ( b ) : Failure of data furnishers to verify or remove inaccurate data after notification.

609 ( c ) : Failure to inform consumer of rights in the course of dispute process.

Metro 2 Compliance Failures : Experian failed to correctly apply Metro 2 compliance indicators : Compliance Code XB ( Account under dispute ) was not uniformly applied.

Failure to update consumer dispute comments properly.

Reporting outdated account statuses beyond allowable statutory periods.

Identity Theft & Privacy Violations : Unauthorized use of personal information following data breaches involving XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. 

Experian has continued reporting data known to have been compromised. 

Violation of consumer privacy under 15 U.S.C. 1681b ( f ) by disclosing personal data without consent. 

Incorrect Personal Identifiers : Multiple incorrect name variations reported : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. 

Multiple outdated and incorrect addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. 

Failure to Report Accurate Results of Disputes : Despite proof of identity theft and FTC Complaint # XXXX, Experian failed to remove fraudulent tradelines. 

Multiple accounts remain charged-off, in collections, or open with past-due balances, negatively affecting credit standing. 

XXXXelief Requested : Immediate deletion of all fraudulent and unverified accounts and inquiries listed above.

Purge of all incorrect names and addresses from Experian records.

Full compliance with Metro 2 guidelines and FCRA dispute obligations. 

Damages for harm to creditworthiness, emotional distress, and time expended due to XXXX noncompliance. 

Referral for enforcement under the Consumer Financial Protection Act, including penalties for systemic violations. 

Attached Evidence : Full Experian credit report dated XX/XX/year> FTC Identity Theft Affidavit and Complaint No. XXXX Experian Dispute Responses ( Report # XXXX ) Screenshot/evidence of data breaches and identity theft monitoring Affidavit of Identity and Pre-Arbitration Notice

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