Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute multiple inaccurate, false, and undocumented entries currently reported in my credit file. I am deeply angered and disappointed by the willful non-compliance and reckless disregard for the accuracy of my credit information. The repeated inclusion of unverified, incomplete, and factually unsupported data reflects a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the mandatory Metro 2 reporting standard.

You are legally obligated to maintain strict procedures to ensure maximum possible accuracy in the information you report ( FCRA 1681e ( b ) ). Reporting unverifiable data, failing to maintain data integrity, and continuously allowing the reporting of accounts that lack full, verifiable documentation constitutes willful non-compliance. I demand that you provide complete physical evidence, including : Full account contracts bearing my original signature or authenticated digital consent Complete account history and payment records Documents establishing permissible purpose for all inquiries Full Metro 2 data compliance audit trail for each reporting item Failure to provide these records will confirm your inability to validate these accounts, resulting in their immediate deletion, as required under FCRA 1681i ( a ) ( 5 ) and Metro 2 guidelines.

I remind you that repeated reporting of unverifiable, outdated, or false data may also constitute a willful violation under FCRA 1681n, subjecting your agency to statutory damages, punitive damages, and attorney 's fees. 

Personal Information Being Challenged : Incorrect Name : XXXX XXXX Incorrect Name : XXXX XXXX XXXX Incorrect Name : XXXX XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX Accounts Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX Collections Being Challenged : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiries Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are obligated under Metro 2 format to report accurate and fully substantiated data. Any deviations from required Metro 2 fieldssuch as inaccurate Date of First Delinquency, incorrect compliance condition codes, or invalid account statusesare violations of CRRG standards and further compromise data integrity.

I DEMAND you IMMEDIATELY : Complete a full reinvestigation. 

Provide physical documentation supporting every disputed item.

DELETE any item that can not be fully validated.

Provide me with an updated copy of my corrected credit report.

You have 30 days to comply under FCRA 1681i ( a ) ( 1 ) ( A ). Failure to comply may result in further legal action, complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential civil litigation

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