Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX ] [ XXXX [ XXXX ] Experian [ Address ] [ City, State, ZIP Code ] Subject : URGENT Metro 2 Compliance Dispute Investigation Request To Whom It May Concern, I am formally disputing the accuracy and compliance of the following accounts on my credit report as reported by [ Credit Bureau Name ]. This dispute is being filed in accordance with the Fair Credit Reporting Act ( FCRA ) 611 and Metro 2 compliance requirements. 

Upon reviewing my credit report dated XX/XX/year>, I have identified multiple derogatory accounts, charge-offs, and inaccurately reported items that require immediate verification under Metro 2s e-OSCAR and Data Furnisher Reporting Standards. 

Below is a list of disputed accounts, including the furnishers and associated compliance concerns : XXXX. XXXX XXXX XXXX XXXX [ Account Number : XXXX ] Charge-off status : XXXX XXXX XXXX require accurate reporting of payment history. 
Verification requested : Provide method of validation, including compliance with FCRA 623 ( a ) ( 3 ) ( Duty of Furnishers to Provide Accurate Information ). 
XXXX. XXXXXXXX XXXX [ Account XXXX : XXXX ] XXXX reported but no payment history provided. 
Missing compliance details required under Metro 2 guidelines ( XXXX XXXX ). 
XXXX. XXXX XXXX [ Account XXXX : XXXX ] Closed by credit grantor remark conflicts with reported charge-off. 
e-OSCAR investigation requested for validation under Metro 2. 
XXXX. XXXX XXXX XXXX XXXX [ Account Number : XXXX ] Account marked Profit and Loss Write-off but lacks original date of delinquency ( XXXX  ). 
Violation of FCRA 605 ( a ) ( 5 ) if XXXX is misreported. 
XXXX. XXXX XXXX XXXX XXXX XXXX  [ Account Number : XXXX ] Overlimit reporting discrepancies between credit limit and balance. 
Requires compliance verification under XXXXetro 2s Compliance Condition Code C.

Metro 2 Compliance & FCRA Violations Each of these accounts may be inaccurately reported or unverifiable under Metro 2 compliance rules. The FCRA mandates that if an item can not be verified, it must be deleted. 

REQUESTED ACTIONS : XXXX. Provide Metro 2-compliant documentation validating each disputed item.

2. If full compliance can not be proven, immediately delete these accounts from my credit report.

3. Provide a detailed response within 30 days, as required under FCRA 611 ( a ).

Failure to comply with this dispute request may result in formal complaints to the CFPB ( Consumer Financial Protection Bureau ) and legal action under FCRA non-compliance penalties. 

I expect prompt handling of this matter and an updated corrected credit report. Please mail all responses to my address listed above. 

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