Consumer complaint received 2025-04-03 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: WA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several inaccuracies on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 compliance standards. Please conduct a thorough investigation into the following items, as they contain erroneous and unverifiable information that is adversely affecting my creditworthiness. 
Accounts with Late Payments : XXXX # XXXX ( Multiple Late Payments ) ** Violation : Per FCRA 623 ( a ) ( 1 ) ( B ), data furnishers must ensure accuracy. Please provide full payment history verification, including original creditor records. If not verified, remove immediately. 
Charge-Offs XXXX XXXX XXXX XXXX ( Charge Off ) ** Violation : Under FCRA 609 ( a ) ( 1 ), I request a full account validation, including signed agreements and detailed payment breakdowns. If this can not be substantiated, delete it promptly. 
Collections : XXXX # XXXX ( XXXX ) ** Violation : This debt must be validated per FDCPA XXXX ( b ). Provide a chain of title proving legal right to collect. If unable to do so, remove this account. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection ) ** Violation : FCRA 611 ( a ) mandates a reasonable investigation. Provide original documentation proving the validity of this debt, or remove it immediately. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( Collection ) ** Violation : Per FCRA 623 ( a ) ( 3 ), furnishers must report only accurate, verifiable data. Provide full documentation of this debt. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Collection ) ** Violation : FDCPA 807 prohibits false representations. Validate this debt with legally admissible proof, or delete it. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX ( Collection ) ** Violation : If this account is paid or inaccurate, it must be removed per FCRA 605 ( a ) ( 5 ). 
XXXX XXXX XXXXXXXX ( XXXX ) ** Violation : FCRA XXXX ( a ) ( XXXX ) requires full disclosure of debt records. Provide supporting documentation or delete. 
Hard Inquiries : XXXX XXXX XXXX XXXX  XXXX FCU - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : FCRA XXXX mandates permissible purpose for inquiries. Provide written evidence of authorization for these inquiries, or delete them immediately. 
Since this is my formal request, I expect your response within 30 days per FCRA 611 ( a ). If these items can not be verified, I demand their immediate removal. Failure to comply may result in further action being taken with regulatory agencies. 
Please update my credit report and provide a written confirmation upon completion. I appreciate your prompt attention to this matter. 
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