Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally contesting any inaccuracies on my credit report, aligning with the FCRA and Metro 2 data field reporting standards. Unsupported claims of delinquency and derogatory remarks can not be accepted without documented proof. Accurate and complete reporting, as mandated by federal and state law, is essential. I urge you to ensure factual, lawful claims and provide verifiable evidence for account existence and usage. If not, kindly remove it and send physical documentation of your actions and my updated credit report. Your prompt attention to this matter is appreciated. 

PERSONAL INFORMATION BEING CHALLENGED Incorrect DOB : XXXX Incorrect Name : XXXX XXXX Employer : XXXX XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS BEING CHALLENGED DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  COLLECTIONS BEING CHALLENGED XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEGAL BASIS FOR DISPUTE I respectfully contest any inaccurate or undocumented information on my credit report, including unproven claims. I am adhering to the FCRA and the accepted XXXX of Metro 2 data field reporting. Allegations of delinquency and inquiries must be supported by factual evidence. It is imperative to report accurately and in compliance with federal and state laws. Please ensure the veracity of all claims. 

I kindly request you to provide physical, verifiable evidence to substantiate the account 's existence and permissible usage. If such evidence is lacking, I expect the removal of the account from the report. I authorize you to send me physical documentation of your actions and an updated credit report. 

ADDITIONAL STATEMENTS I am writing to express my concern over the infringement of my consumer rights caused by the dissemination of inaccurate information. Fair treatment is my fundamental right as a consumer, and I kindly request a thorough explanation of the deficiencies in meeting accuracy and compliance obligations. 

Moreover, it is crucial to emphasize that I can not tolerate negative information, regardless of its certification. What truly matters to me is the verifiable truth regarding your company and the data associated with my credit profile. The lack of accuracy in the credit report I received is surprising, as it is expected that you adhere to the FCRA and applicable Metro 2 data field formatting standards. 

I hereby challenge you to provide a comprehensive, verified, complete, and truthful document that supports each claim made. Failure to adhere to these standards, as outlined in the XXXX XXXXXXXX, poses a severe risk to data integrity. 

VERIFICATION DEMANDS According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

I demand to see verifiable proof ( of an original consumer contract with my signature on it ) that you have on file for the following accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADDITIONAL NOTICE Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. Also be advised that I am aware that no statute in the FCRA suggests that a Power of Attorney must be provided to you, or that without said Power of Attorney documentation you are allowed to delay the processing of a consumer 's letters to you. 

Failure to appropriately handle and address my submitted correspondence would constitute a potential breach of my consumer rights under 15 U.S. CXXXXe XXXXi, which requires a proper and individualized investigation into each 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