Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
I, XXXX XXXX, hereby declare under penalty of perjury that the following statements are true and correct to the best of my knowledge. This affidavit serves as a formal notice and demand under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding multiple inaccuracies currently appearing on my Experian credit report. The information being reported is inaccurate, incomplete, unverifiable, and in violation of federal reporting standards. These errors have directly harmed my creditworthiness, financial opportunities, and overall quality of life.

1. Personal Information Correction Experian is reporting inaccurate identifying information that must be corrected immediately. My correct legal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Remove all variations of my name including XXXX XXXX XXXX or any misspellings , outdated addresses, or former identifiers that may have caused a mixed-file error under FCRA 1681e ( b ).

Law Explanation : FCRA 1681e ( b ) mandates credit bureaus maintain maximum possible accuracy in consumer files. Reporting outdated or variant names, addresses, or identifiers constitutes a direct violation of this federal statute.

2. Disputed Accounts The following accounts are being disputed for inaccurate, unverifiable, and noncompliant reporting : XXXX XXXX XXXX Acct # XXXX XXXXXXXX Reported as Closed 120+ Days Late with inconsistent balances. Violates FCRA 1681e ( b ) and Metro 2 1.3. 
XXXX XXXX XXXX  XXXX, XXXX. Acct # XXXX XXXXXXXX Reported as Charge-off. Violates FCRA 1681e ( b ) and 611 by reporting open balance after write-off. 
XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX Third-party collection violating FDCPA 809 / 15 U.S.C. 1692g ( no signed validation ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX and # XXXX XXXX Debt-buyer accounts lacking verification, violating 1692g, 1681e ( b ), and 1681i ( a ) ( 5 ) ( A ).

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Acct # XXXX XXXX Balance discrepancies across bureaus ( {$3900.00} vs {$4100.00} ) and inconsistent removal dates ( XXXX vs XXXX ). Violates FCRA 1681e ( b ), 605 ( a ), and Metro 2 standards. Compounding balance since XX/XX/XXXX without payment violates Metro 2.

3. Legal Grounds & Statutory References 15 U.S.C. 1681e ( b ) : Requires CRAs to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Mandates deletion of unverifiable data after reinvestigation.

15 U.S.C. 611 : Requires proper reinvestigation and response within 30 days.

15 U.S.C. 1692g : Debt collectors must validate debt before reporting or collecting.

Metro 2 Guidelines : Prohibit re-aging, compounding balances, and inconsistent reporting across CRAs.

4. Formal Demand for Action I demand immediate removal or full documentation of all accounts listed above. If verifiable evidence such as original signed agreements or payment ledgers can not be produced within 30 days, these accounts must be deleted under FCRA 1681i ( a ) ( 5 ) ( A ). Failure to comply will result in formal complaints with the CFPB and XXXX, and potential legal action under FCRA 1681n & 1681o for willful noncompliance.

Executed Under Penalty of Perjury I declare that the statements above are true and correct. Please provide written confirmation of all deletions or corrections.

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