Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX Ny XXXX Social Security Numbers Last XXXX : XXXX Date of Birth : XX/XX/XXXX Today 's Date : XX/XX/XXXX EXPERIAN / EQUIFAX XXXX TRANSUNION Metro 2 Compliance Investigation Subject : XXXX XXXX XXXX Compliance Dispute XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX Dear XXXX XXXX XXXX, This letter formally serves as my legal notice demanding an immediate Metro 2 compliance investigation into major inaccuracies, inconsistencies, and non-compliance issues regarding accounts reported by * * XXXX XXXX XXXX ( XXXX ) * *, * * XXXX XXXX * *, and * XXXX XXXX XXXX XXXX  * across Experian, Equifax, and TransUnion. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), and the CDIA Metro 2 Reporting Standards, it is mandatory that all credit information must be accurate, complete, and verifiable. 

Upon review, I discovered the following discrepancies : * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * KEY FOR STATUS : - Consistent/Accurate | - Inconsistent/Inaccurate | - Missing/Not Reported * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * | Creditor/Account | Field | Experian | Equifax | TransUnion | Status | | -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- | -- -- -- -- | | XXXX XXXX Systems | Creditor Name | XXXX XXXX | XXXX XXXX XXXX XXXX | | | XXXX XXXX XXXX  | XXXX Balance | {$930.00} | {$960.00} XXXX {$930.00} | | | XXXX XXXX XXXX  | Account Status | Collection | Collection | XXXX XXXX XXXX | XXXX XXXX XXXX  | Open Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX XXXX XXXX | XXXX XXXX | Balance | {$870.00} | {$870.00} | {$0.00} | | | XXXX XXXX | Account Status | Charge-off | Charge-off | Closed XXXX XXXX | XXXX XXXX | Last Payment Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | | XXXX XXXX | Account Status | Open | Open | Collection | | | XXXX XXXX | Balance | {$6000.00} | {$6000.00} | {$6000.00} | | | XXXX XXXXt | Reporting Dates | Vary by bureau | Vary by bureau | Vary by bureau | | * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Summary of Issues : * * - * * XXXX XXXX XXXX  * * reports differently across bureaus ( different names, inconsistent balances XXXX XXXX 
- * * XXXX XXXX * * charge-off shows inconsistent balances and dates. 
- * * XXXX XXXX * * reporting varies between bureaus in status and reporting dates. 

These issues are serious Metro 2 violations that create confusion, financial harm, and raise risks of identity theft and misrepresentation.

Pursuant to FCRA and Metro 2 standards, I formally demand : - Immediate full Metro 2 Compliance audits of the accounts listed. 
- Accurate, consistent corrections across all three bureaus. 
- Permanent deletion of any unverifiable or inaccurate data. 

I have documented evidence to substantiate these claims and reserve my rights to escalate to the CFPB, FTC, and pursue legal remedies if these issues are not corrected within the statutory 30-day period.

Additionally, I request an immediate update to the personal identifying information reported under my credit file. The only correct and accurate name is XXXX XXXX XXXX. Any other variations ( such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX ) are inaccurate and should be removed in compliance with Metro 2 formatting rules for identifying information. 
The only correct address is : XXXX XXXX XXXX FL XXXX, XXXX, NY XXXX. 
All other addresses are outdated, incorrect, and must be permanently deleted from my file. Inaccurate personal information can lead to mixed files, misattributed accounts, and identity theft, which I intend to prevent by enforcing proper data correction per FCRA 15 U.S.C. 1681e ( b ) and Metro 2 formatting guidelines. 

Personal Information | Field | TransUnion | Experian | Equifax | Status -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- Address | Current | XXXX XXXX | XXXX XXXX | XXXX XXXX | Address | Other | XXXX XXXX | XXXX XXXX XXXX | -- | | | XXXX XXXXr | XXXX XXXX | -- | Name | Legal Name | Not Reported | Not Reported | Not Reported | Name | AKA | Multiple Errors | Multiple Errors | Multiple Errors | Thank you for your urgent attention to this matter. 

Sincerely, XXXX 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