Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last XXXX of Social Security Number - XXXX To : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Charge-Off Account - XXXX XXXX ( {$1900.00} ) Account Number ending XXXX To Whom It May Concern, I am formally disputing the accuracy and reporting compliance of a charge-off account being reported by XXXX XXXX in the amount of {$1900.00}. This letter is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demands the immediate deletion of the inaccurate account information from my credit profile. 

This XXXX XXXX account is being reported inaccurately and in non-compliance with : 1. Metro 2 Reporting Standards Metro 2 guidelines, established by the XXXX XXXX XXXX XXXX ( XXXX ), require that data furnishers report only accurate, complete, and verifiable information. Based on my review and documentation, XXXX XXXX is reporting a charge-off in a manner inconsistent with Metro 2 standards, including : Improper status and balance reporting post charge-off Inconsistent date of first delinquency ( DOFD ) Failure to list accurate payment history in alignment with reporting periods As such, the account must be corrected or deleted in accordance with Metro 2 Format Manual Section 7. Failure to adhere to these standards violates your own compliance mandates as a data furnisher and CRA. 

2. FCRA Violations Pursuant to 15 U.S.C. 1681i ( a ), credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of any item. If the information can not be verified, it must be promptly deleted. 

Additionally, under 15 U.S.C. 1681e ( b ), CRAs are required to maintain maximum possible accuracy of consumer credit information. The continued reporting of an unverifiable and inaccurate account constitutes a direct violation of this requirement. 

XXXX. Relevant Case XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court held that CRAs must go beyond a mere parroting of the furnisher 's response and are required to perform an independent investigation. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Established that continued reporting of inaccurate information after notice of dispute is sufficient to support liability under the FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Reinforced that a failure to properly investigate and verify disputed information constitutes a willful violation of the FCRA. 

4. Demand for Deletion In light of the foregoing, I demand : The immediate deletion of the XXXX XXXX account from my credit file ; A written response confirming the outcome of your investigation within 30 days ; That this matter be fully resolved in accordance with the FCRA and Metro 2 compliance standards. 

If this inaccurate account is not corrected or deleted, I will not hesitate to pursue legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state attorneys general, as well as initiating litigation under the FCRA for damages and attorney fees. 

Please find attached a copy of my government-issued ID my mailing address is different as I am a XXXX XXXX attending XXXX  in XXXX XXXX a copy of a utility bill is included for verification purposes. 

Sincerely, XXXX XXXX XXXX Enclosures : Picture of Drivers License Picture of Utility Bill Credit Report Account in Dispute

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