Consumer complaint received 2025-06-17 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: MI

Complaint narrative:
This letter serves as a formal and lawful demand to contest all inaccurate, unverifiable, or non-compliant information currently reported in my credit file. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681i ( reinvestigation of disputed information ) and 1681e ( b ) ( accuracy of reports ), as well as Metro 2 compliance guidelines enforced by the Consumer Data Industry Association ( CDIA ). 

Let me be clear : No derogatory account, inquiry, collection, or piece of personal data should appear on my report without full legal compliance, tangible documentation, and proper verification. If you continue reporting data that is outdated, unverifiable, inaccurate, or improperly verified, you are knowingly violating federal law. 

I am demanding the immediate deletion of the following disputed entries if you can not provide : Full documentation of account origin and legal ownership A copy of signed consent authorizing any inquiry listed Metro 2formatted proof of accuracy Evidence of reporting within the legally allowed time frame Proof of permissible purpose under FCRA 1681b Failure to produce the above within 30 days constitutes willful noncompliance. At that point, I will file formal complaints with the CFPB, FTC, State Attorney General, and initiate civil action under FCRA 1681n and 1681o. 

PERSONAL INFORMATION TO BE DELETED : Incorrect DOB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop issuing generic, canned responses to specific legal disputes. That violates FCRA 1681i ( a ) which requires a full reinvestigation. I am the author of all submitted letters. Any delay or dismissal based on assumptions of third-party authorship is unfounded, unlawful, and a direct violation of federal regulations. 

You are now on notice. 

If this matter is not corrected within the mandated timeframe, I will pursue all available remedies, including monetary damages, injunctive relief, and attorney involvement. 

I authorize physical documentation of all deletions and updates to be mailed to the address on file.

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