Consumer complaint received 2025-11-27 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 XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/year> | SSN : XXXX Phone : XXXX | Email : XXXX Date : ____________________ To : Experian P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute & Demand for Deletion FCRA 611, 1681e ( b ), 1681i ( a ) ( 5 ) ( A ) ; FDCPA 1692g, 1692cc; Metro 2 AFFIDAVIT OF DISPUTE & FORMAL NOTICE OF INACCURATE REPORTING I, XXXX XXXX, declare under penalty of perjury that the statements herein are true and complete. I did not authorize any inaccurate reporting, any unverifiable accounts, or the use of my personal information without written consent. Experian must correct or delete all information that violates the FCRA, FDCPA, or Metro 2 standards. 
1 ) PERSONAL INFORMATION INCORRECT / MIXED FILE RISKS The ONLY correct identifiers are listed at the top of this page. Remove any other names, addresses, employers, and phone numbers immediately.

Law : FCRA 1681e ( b ) Bureaus must maintain maximum possible accuracy. Any incorrect identifiers violate 1681e ( b ) and must be corrected or deleted pursuant to FCRA 611. 
2 ) XXXX  XXXX LATE PAYMENTS ( Acct # XXXX ) Experian reports XXXX and XXXX late payments that conflict with other bureaus. These inconsistencies indicate inaccurate reporting. 
Laws & Demands : 1666b Billing cycle accuracy ( improper cycle/dating = invalid reporting ).

1681e ( b ) Maximum accuracy; conflicting dates = inaccurate.

1681i ( a ) ( 5 ) ( A ) If unverifiable, it shall be deleted.

FCRA 611 You must reinvestigate and correct/delete.

Metro 2 Payment status codes must be uniform and consistent. 
Provide : wet-ink signed contract, full payment history, delinquency notices, and original statements. Delete all late marks if not fully validated. 
3 ) XXXXXXXX XXXX XXXX {$830.00} ( Acct # XXXX ) Debt-buyer account shows conflicting dates and lacks proof of ownership and validation. 
Laws & Demands : FDCPA 1692g Must provide debt validation upon request.

FDCPA 1692cc No continued reporting/collection without proof youre the rightful owner/that I owe the debt.

FCRA 1681e ( b ) Accuracy ; conflicting dates violate this section.

FCRA 1681i ( a ) ( 5 ) ( A ) Unverifiable information must be deleted.

Metro 2 Debt buyer reporting must include accurate DOFD and assignment chain.

Provide : original signed contract, full chain of title/assignment, itemized accounting, and validation. Delete immediately if you can not produce these.

WHAT EACH LAW MEANS ( PLAIN LANGUAGE ) FCRA 611 ( 15 U.S.C. 1681i ) When I dispute, you must perform a reasonable reinvestigation and correct or delete anything inaccurate, incomplete, or unverifiable within ~30 days.

FCRA 1681e ( b ) You must ensure maximum possible accuracy. If data conflicts or is wrong, you must fix or delete it.

FCRA 1681i ( a ) ( 5 ) ( A ) After reinvestigation, anything you cant verify must be deleted from my file. 
Truth-in-Billing 1666b Billing cycles/dates must be reported correctly.

FDCPA 1692g A collector must provide validation ( proof ) when requested.

FDCPA 1692cc No collecting or reporting without proper authorization or proof.

Metro 2 Industry format requiring consistent, accurate coding ( dates/status/DOFD ).

Inconsistencies are noncompliant. 
WHAT I AM REQUESTING 1 ) Delete all inaccurate or unverifiable items.

2 ) Correct all personal information to match the header of this page.

3 ) Complete a lawful reinvestigation under FCRA 611 and provide results.

4 ) Mail me an updated Experian report reflecting all corrections/deletions.

NOTICE OF LEGAL INTENT If you fail to comply with the FCRA reinvestigation and deletion requirements within the 30-day window, I will file complaints with the CFPB, FTC, XXXX, and the New York Attorney General, and pursue remedies under FCRA 616617 for willful or negligent noncompliance. These inaccuracies harm my credit and will not be tolerated. 
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