Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
CERTIFIED MAIL - RETURN RECEIPT REQUESTED XX/XX/year> Experian Attn : Metro 2 Compliance Department XXXX. XXXX XXXX XXXX, TX XXXX RE : Metro 2XXXX XXXX Dispute - Consumer Information Indicator ( CII ) Code ViolationsFile # XXXX : XXXX XXXX : XXXX : XXXX Address : XXXX XXXX XXXX, XXXX, LA XXXX XXXX ID : XXXX ( Activated XXXX XXXX To Whom It May Concern : This communication serves as a formal Metro 2 Format compliance dispute pursuant to the Consumer Reporting Resource Guide ( CRRG ) standards and Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 
STATUTORY DAMAGES NOTIFICATION I am seeking statutory damages of {$1000.00} per occurrence under FCRA Section 616 [ 15 U.S.C. 1681n ] for willful noncompliance with Metro 2 Format requirements after multiple unsuccessful dispute attempts. This letter constitutes formal notice that failure to correct these violations within 30 days will result in further legal action seeking maximum statutory damages. 
METRO 2 FORMAT/CRRG SPECIFIC VIOLATIONS The following accounts contain specific Metro 2 Format violations as defined in CRRG : XXXX. XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXXXXXX : Incorrect Account Status Code ( should be DA = Delete Account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code of Z for disputed account XXXX  XXXX : Missing CCC ( Consumer Account Number ) verification XXXX Segment : Missing required Consumer Dispute Indicator ( XXXX ) XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXor fraud investigation XXXX. XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX Incorrect Account Status Code ( reported as XXXX, XXXX ) XXXX  XXXX : Missing required XXXX Segment ( fraud investigation information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Special Comment Code XXXX  XXXX : Missing code AH for disputed account XXXX. XXXX  ( Account # XXXX ) XXXX  XXXX : Incorrect Account Status Code for collection account XXXX  XXXX : Incomplete Consumer Account Number reporting Base Segment XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX for disputed account Segment XXXX : No proper dispute reason code of XXXX for identity theft UNAUTHORIZED LANGUAGE MANIPULATION VIOLATION Unauthorized XXXX  language setting constitutes : Metro 2 Format Violation : XXXX  XXXX ( Language Preference Indicator ) improperly set Base Segment XXXX  XXXX : Missing proper Consumer Information Indicator of XXXX XXXX  METRO 2 NON-COMPLIANCE Despite multiple previous disputes, the following Metro 2 non-compliance issues remain : XXXX. Security Alert ( ID # XXXX ) : Base Segment XXXX  XXXX : Missing requireXXXX XXXX XXXX XXXXXXXX on all trade lines XXXX Segment : Missing proper fraud investigation documentation XXXX Segment Field XXXX : Missing proper dispute reason code 2. Duplicate Account Identification Number : Multiple accounts sharing ID number XXXX ( invalid Metro 2 reporting ) XXXX XXXX XXXX XXXX : Incorrectly populated Account Number field CONSUMER INFORMATION DISPUTE ADDENDUM ( CIDA ) VIOLATIONS The following CIDA violations are present in my file : Failed implementation of CIDA A1 Segment for disputed accounts Improper Dispute Status Code indicators in XXXX XXXX XXXX Missing Dispute Resolution Date in XXXX XXXX XXXX Incomplete Dispute Resolution Code in XXXX XXXX XXXX PERSONAL IMPACT STATEMENT OF DAMAGES These XXXX XXXX Format violations have resulted in quantifiable damages : Denial of credit for essential family purchases ( XXXX for XXXX XXXX ) Lost opportunity costs from credit denials : $ XXXX Emotional distress requiring documentation : $ XXXX Time spent repeatedly disputing accounts : XXXX hours at $ XXXX : $ XXXX REMEDIATION REQUIREMENTS ( CRRG STANDARDS ) Under FCRA XXXX XXXX ( a ) and XXXX XXXX XXXX Format requirements, I demand : XXXX XXXX XXXX XXXX XXXX Fields XXXX correction on all listed accounts XXXX. Application of proper XXXX XXXX XXXX ( CII ) codes in XXXX XXXX XXXX. Complete XXXX Segments with proper dispute codes XXXX. XXXX Segment completion with required fraud investigation documentation XXXX. XXXX preference restoration to XXXX in XXXX XXXX XXXX. Written confirmation of all XXXX XXXX Format corrections within 30 days LEGAL NOTICE This letter constitutes formal notification under FCRA Sections XXXX [ XXXX XXXX. XXXX ] of intent to pursue maximum statutory damages of {$1000.00} per willful violation and actual damages for negligent noncompliance if these XXXX XXXX XXXX violations are not corrected within the statutory timeframe. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Enclosures : Security Alert Documentation ( # XXXX ) Screenshots of Unauthorized XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Format Field Violations Previous Dispute Documentation Report # XXXX ( Full Copy ) CC : Consumer Financial Protection Bureau Federal Trade Commission Attorney General, State of Louisiana

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