Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : FORMAL METRO 2 COMPLIANT DISPUTE DEMAND FOR DELETION OF INACCURATE COLLECTIONS Dear Compliance Department, I am formally disputing the following inaccurate and unverifiable collections being reported on my consumer file. As a consumer reporting agency, you are required under 15 U.S.C 1681e ( b ) ( FCRA ) to follow reasonable procedures to ensure the maximum possible accuracy of the data you report. Furthermore, I am aware of the CFPBs lawsuits against Experian and XXXX for failing to conduct proper investigations and reporting inaccurate and misleading consumer information. Given these legal precedents, I demand that you comply with Metro 2 guidelines and the FCRA to accurately verify or delete the following collection accounts : -- - # # # DISPUTED COLLECTION ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This collection account contains incomplete, outdated, and unverifiable information, making it non-compliant with Metro 2 standards. - Relevant Law : Per 15 U.S.C 1681e ( b ), consumer reporting agencies must ensure accurate reporting. Furthermore, under 15 U.S.C 1692e ( 8 ) ( FDCPA ), debt collectors are prohibited from reporting false or misleading credit information. - Metro 2 Violation : The account does not align with proper Compliance Condition Codes ( CCC ) and Account Status Codes ( ASC ) as required. - Demand : DELETE this collection from my consumer report immediately as you can not verify it in full compliance with Metro 2. Failure to correct this inaccuracy will be considered willful noncompliance under 15 U.S.C. 1681n. - Issue : The Date of First Delinquency ( DOFD ) is incorrect and unlawfully extending the reporting period. - Relevant Law : Per 15 U.S.C 1681c ( a ) ( 4-5 ), no negative account can remain beyond seven years from the DOFD. Additionally, furnishers must comply with 15 U.S.C 1681s-2, which mandates accurate reporting. - Metro 2 Violation : The DOFD reported does not comply with Metro 2 formatting guidelines, which is a violation of industry data integrity standards. - Demand : REMOVE this collection account from my credit report immediately due to incorrect date reporting, rendering the account unverifiable. - Issue : I have no contractual agreement with this collection agency, and they have failed to provide verification of ownership. - Relevant Law : Under 15 U.S.C 1666b, a valid contract must exist between a consumer and creditor to be reported on a credit file. Furthermore, per 15 U.S.C 1681b, consumer reports may only contain legally authorized information. - Metro 2 Violation : This account is improperly assigned and does not meet permissible purpose requirements under Metro 2 data standards. - Demand : DELETE this account from my consumer report immediately as it is unverified and unlawfully reported. -- - # # # FINAL DEMAND Under 15 U.S.C 1681i ( a ) ( 5 ), if an item can not be verified, it must be deleted. I demand that these collections be removed immediately as they do not comply with Metro 2 reporting guidelines and violate federal consumer protection laws. If these accounts remain, I will escalate this matter to the CFPB, FTC, and consider legal action for willful FCRA violations under 15 U.S.C. 1681n. I have enclosed the following for verification purposes : - A copy of my government-issued ID - Proof of address ( utility bill, bank statement, or lease agreement ) - A copy of my credit report with disputed items clearly marked You have 30 days to complete your investigation and respond in writing. If you fail to comply, I will pursue all legal remedies available to me. 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