Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Email-Confidential Date : XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Violations of the FCRA and Metro 2 Compliance by Credit Reporting Agencies Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and non-compliance with Metro 2 data reporting standards by one or more credit reporting agencies ( CRAs ) and/or data furnishers. These violations have resulted in the inaccurate reporting of information on my consumer credit report, which continues to adversely impact my financial standing. 
Despite my good faith efforts to dispute the inaccurate and unverifiable information, the reporting entities have failed to perform a reasonable investigation and correct or remove the disputed items as required under FCRA 1681i. Furthermore, the information continues to be reported in a manner that contradicts Metro 2 Compliance guidelines, which are the industry standard for accurately furnishing credit data. This includes, but is not limited to, the misreporting of account statuses, balances, and dates of delinquency or charge-off.

Under the FCRA, I am entitled to accurate reporting and prompt correction of errors. Willful noncompliance or negligence by CRAs and furnishers may subject them to statutory damages of {$100.00} to {$1000.00} per violation, actual damages, punitive damages, and legal costs. The continued inaccurate reporting, combined with failure to correct the information upon dispute, constitutes willful disregard of the law and my consumer rights. 
I respectfully request that the Consumer Financial Protection Bureau initiate an investigation into these violations and ensure that the CRAs and/or data furnishers in question are held accountable. Please let me know if you require any documentation or evidence I have collected regarding this matter. I am fully prepared to provide copies of my disputes, credit reports, correspondence, and any other relevant materials. 
Below are 3 data furnishers who reported serious inaccuracies on the credit report on Transunion and Experian, Equifax. I dot each of them. Attached are 3 screen shots of all 3 data furnishers.

Data Furnisher XXXX XXXX XXXX XXXX XXXX Reported 10 inaccurate on my credit report marked RED. 1. High Balances are different. 2. Last verified dates are missing and a reported date. 3. Date of last activity are different. 4. Date reported are different. 5. Date opened are different. 6. Closed dates are different. 7. Payment Status are different. 8. Original Creditor is missing. 9. Last payment is different. 10. Credit limits are different. This is undisputable proof of serious FCRA violations with attached screen shots and the credit report attached. Remember the law states the data furnishers, CRA have an obligation to report accurate information. Since the last date reported show XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to current XX/XX/XXXX that over 15 days of damages causes by these inaccuracies Demand immediate removal of Account and settlement offer of XXXX due to the violations. 

XXXX XXXX XXXX XXXX XXXX reported 7 inaccuracies on my credit report marked RED. 1. High Balance is different. 2. Last verified shows a date and the other is completely blank. 3. Date of Last activity is different. 4. Date opened is different. 5. Closed Date is different. 6. Creditor Remarks on one say dispute resolve, charge off etc., however can that be whereas on marked # 2 showed blank on Experian last verified. Experian literally lied and failed to investigate this matter. 7. Original Creditor shows blank. This is undisputable proof of serious FCRA violations with attached screen shots and the credit report attached. Remember the law states the data furnishers, CRA have an obligation to report accurate information. Since the last date reported show XX/XX/XXXX, XX/XX/XXXX to current XX/XX/XXXX that over 10 days of damages causes by these inaccuracies Demand immediate removal of Account and settlement offer of XXXX due to the violations. 
Data Furnisher XXXX XXXX XXXX XXXX XXXX reported 6 inaccuracies to my credit report marked RED. 1. High Balance is different. 2. Last Verified shows a date and the other a blank. 3. Date of Last Activity shows two different dates. 4. Date opened shows two different dates. 5. Closed date shows two different dates. 6. Creditor Remarks show Charged off/Bad Debt-Purchase by another lender. But failed to identify the other lender and forward to the consumer form 1099a and 1099c. Technically speaking this data furnisher is reporting INCOME. Which is ILLEGAL. XXXX XXXX clearly in writing stated it as a BAD DEBT. So, on their returns its a loss, with probably insuring said account received compensation, never forward any 1099, or the XXXX # associated with the XXXX  XXXX  backed security. XXXX also violated the arbitration agreement by having the next lender sue to recover the alleged debt. 
Demand immediate removal of Account and Settlement offer of XXXX due to the violations. 


Thank you for your attention to this serious matter. 
Sincerely, XXXX XXXXXXXX XXXXXX/XX/XXXX

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