Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
XXXX XXXX - XXXX XXXX XXXX XXXX XXXX I hereby submit a formal request for the cessation of reporting pertaining to the mentioned account. I kindly request your diligent verification and validation of all the information contained herein, encompassing notations, dates, balances, compliance condition code ( s ), and any pertinent elements within the Metro 2 compliance segment and field ( XXXX ). Your timely confirmation of the accuracy of these details would be greatly appreciated. 
Allow us to examine the reporting of Payment Status ( XXXX ) : XXXX XXXX within the report, as it has come to our attention that there may be a concerning issue with the reported data, which regrettably falls short of 1 of 4 meeting the requisite standards. The deviation from the prescribed requirements is deeply disappointing and raises questions about the accuracy of the data being reported. It is essential to reiterate that you are well aware of the unequivocal obligation to report all Data fields in strict compliance with the esteemed Metro 2 standards. Any deviation from these essential requirements is wholly unacceptable and must be rectified promptly to uphold the integrity and reliability of the reported information. 
Upon meticulous examination of Balance ( XXXX ) : {$5300.00}, it is of utmost importance and my sincere expectation that you diligently ensure the absolute adherence of the information contained within your records to all prescribed industry standards pertaining to accuracy. Regrettably, I find myself deeply disheartened and taken aback by the evident deviations from the mandatory regulations and compliance guidelines associated with this account. Such flagrant discrepancies point unequivocally to the presence of an egregious error, thereby compelling an urgent and non-negotiable request for the immediate deletion of this account. I implore you to undertake swift corrective measures, as failure to do so expeditiously could result in further detrimental consequences that are both preventable and deeply concerning. 
Upon reviewing the Past Due ( XXXX ) : XXXX, it is crucial that we ensure strict adherence to industry standards for data accuracy. I must express my dismay at the observed deviations from mandatory regulations and compliance guidelines in this account. It is evident that an error has occurred ; therefore, I kindly request the immediate deletion of this account. I implore you to rectify these issues promptly to prevent further harm. 
Upon reviewing the reporting of No. of Months ( terms ) ( XXXX ) : XXXX within the report, it has come to our attention that there appears to be an issue with the data presented, as it fails to meet the prescribed standards. We regret to inform you that the accuracy of this data is questionable, as it deviates from the mandated criteria. It is imperative to adhere to the Metro 2 standards and report all data fields in full compliance, leaving no room for any deviation from the specified requirements. 
Upon reviewing Last Reported : XX/XX/XXXX, I must stress the importance of aligning your records with industry standards for accuracy. I am deeply concerned by the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred ; therefore, I kindly request the immediate removal of this account. Urgent rectification is imperative to prevent further detrimental consequences. 
I would like to bring to your attention that upon careful examination of the information pertaining to Date Last Active ( XXXX ) : XX/XX/XXXX, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there may exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details. 
I kindly urge you to thoroughly verify the information in question through your investigation, specifically seeking original creditor documentation bearing my signature. Should no such documentation bearing my signature exist, I respectfully demand the prompt removal of all inquiries and reported accounts from my credit report associated with my Social Security number. 
Upon reviewing the information pertaining to Date Opened ( XXXX ) : XX/XX/XXXX, I would like to emphasize the utmost importance of ensuring that the data contained in your records adheres strictly to the established industry standards for accuracy. I must express my deep concern upon discovering significant deviations from the mandatory regulations and compliance guidelines associated with this account. It is evident that an error has occurred, and I kindly request that you promptly remove this account from the system. I urge you to rectify these issues without delay in order to prevent any further detrimental consequences. 
We would like to bring to your attention that the 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX may suggest a failure to meet established reporting standards or decorum. Upon review of the information reported, it has become apparent that there are deviations from the required industry standards, which may result in inaccurate data. 
We would like to remind you of the paramount importance of complying with Metro 2 guidelines and ensuring that all fields are accurately and completely filled out before adding anything to our credit profile. We kindly request that you take appropriate corrective measures to rectify this issue and avoid any potential negative impact on our credit standing. Thank you for your attention to this matter.

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