Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Demand for Deletion of Outdated and Inaccurate Accounts FCRA 605 ( a ), 611 & Metro 2 Compliance Required To Whom It May Concern, I am writing to formally dispute inaccurate, outdated, and unverifiable information reported by Experian on my consumer credit file. This is a formal AFFIDAVIT OF DISPUTE and legal notice demanding deletion of all information that violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. The following accounts are being challenged under FCRA 605 ( a ) for exceeding the seven-year reporting period, 611 for reinvestigation rights, and 1681e ( b ) for failure to maintain maximum possible accuracy. 

1. Disputed Negative Accounts ( Unverified, Outdated, and Inaccurate ) I dispute the accuracy and legality of the following accounts being reported on my Experian file : - XXXXXXXX XXXX  Acct. # XXXX XXXX XXXX Opened XX/XX/XXXXXXXX charged off XXXX, still reporting {$1600.00} balance despite being over 7 years from the date of opening. 
- XXXX XXXX ( XXXX ) Acct. # XXXX XXXX XXXX Opened XX/XX/XXXX, charged off XXXX  ( paid for less than full balance ), and continues to reflect a derogatory balance after the seven-year period. 

These accounts are reporting inaccurately across multiple credit bureaus, in violation of FCRA 1681e ( b ). I am demanding full verification through original signed contracts ( wet-ink signatures ), complete payment history, and assignment agreements. If you can not provide these within 30 days, these items must be deleted. 

2. Incorrect Personal Information My personal information is being reported inaccurately. The following information must be corrected immediately : - Remove old address : XXXX XXXX XXXX, XXXX, NY - Correct current address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX - Remove outdated employers and any incorrect name variations. 

Under Metro 2 Format Fields 137145, Experian is required to ensure identity accuracy, and failure to do so violates 1681e ( b ) of the FCRA. 

3. Outdated and Inaccurate Addresses Outdated or incorrect addresses remain on my file. Experian must immediately remove any address that is not verified by a current creditor relationship or active account. Reporting old addresses contributes to identity confusion and mixed-file risk under FCRA 1681e ( b ).

4. Legal Grounds for Dispute and Deletion I am asserting my rights under the following provisions : - FCRA 605 ( a ) : Outdated negative information older than seven years must be deleted.

- FCRA 611 ( 15 U.S.C. 1681i ) : You must conduct a reasonable reinvestigation and remove unverifiable information.

- FCRA 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy.

- FCRA 1681i ( a ) ( 5 ) ( A ) : Information that can not be verified must be promptly deleted.

- Metro 2 Format Compliance : Ongoing charge-off balances and inconsistent data violate reporting standards. 

5. What I Am Requesting 1. Deletion of the above-listed accounts unless Experian can verify them with certified documentation.
2. Removal of inaccurate and outdated personal information.

3. Written confirmation of all deletions and corrections within 30 days as required by 611.

6. Notice of Legal Intent If Experian fails to verify or delete these inaccuracies within the FCRAs 30-day period, I will immediately file formal complaints with the CFPB and FTC and pursue legal action for willful noncompliance under FCRA 1681n and 1681o. These inaccuracies are damaging my reputation and financial standing, and I will seek all remedies allowed by law.

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