Consumer complaint received 2025-10-25 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: FL

Complaint narrative:
Subject : Formal Dispute Deletion of Inaccurate and Unverifiable Accounts per FCRA, FDCPA, UCC & Metro 2 Compliance This affidavit is submitted under penalty of perjury to formally dispute inaccurate, outdated, and unverifiable accounts reported by your bureau. Many accounts contain reporting violations across bureaus, including conflicting balances, dates, and statuses. These entries violate my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), Metro 2 standards, and UCC 1-308. 

XXXX. PERSONAL INFORMATION DISPUTE I dispute the reporting of the following incorrect identifiers : - Incorrect Names : REMOVE any variation except XXXX XXXX. 
- Incorrect Addresses : REMOVE outdated addresses including : * XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Phone Numbers : Ensure only my correct number ( XXXX ) is listed. 
Per FCRA 609 ( a ) ( 1 ), I demand full documentation supporting these entries or they must be removed. 

XXXX. DISPUTED ACCOUNTS XXXX XXXX XXXX XXXX Acct # : XXXX XXXXXXXX Balance : {$430.00} | DOFD : XX/XX/XXXX Issue : Collection reporting to all XXXX bureaus. Demand validation. 

XXXX. XXXX Bank Acct XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} | DOFD : XX/XX/XXXX Issue : Charge-off, not reported to XXXX. 

XXXX. RentDebt/XXXX XXXX Acct # : * XXXX Balance : {$1100.00} | DOFD : XX/XX/XXXX Issue : Collection missing from TransUnion. 

XXXX. XXXX  XXXX Acct # : * XXXX XXXX : {$420.00} | XXXX : XXXX Issue : XXXX days late. Verify billing. 

XXXX. XXXX XXXXRWD Acct # : XXXX XXXXXXXX Balance : {$0.00} | DOFD : Charge-Off Issue : Charge-off still derogatory. 

XXXX. XXXX XXXX Acct # : XXXX  XXXX Balance : {$0.00} | DOFD : Charge-Off Issue : Unverified duplicate reporting. 

XXXX. XXXX XXXX Acct # : XXXX XXXXXXXX Balance : {$0.00} | DOFD : Charge-Off Issue : Same as above. 

XXXX. XXXX XXXX XXXX XXXX Acct # : XXXX XXXXXXXX Balance : {$1100.00} | DOFD : XX/XX/XXXX Issue : Medical collection. Must validate. 

XXXX. XXXX  XXXX Acct # : XXXX XXXXXXXX XXXX : {$550.00} | XXXX : XXXX Issue : XXXX days late. 

XXXX. XXXX XXXX XXXX Acct # : XXXX XXXXXXXX XXXX : {$860.00} | DOFD : XXXX Issue : XXXX days past due. 

XXXX. XXXX  XXXX XXXX Acct # : * XXXX Balance : {$0.00} | DOFD : XX/XX/XXXX Issue : Closed account reported as XXXX late. 

XXXX. XXXX Acct # : XXXX XXXXXXXX XXXX : {$0.00} | DOFD : XXXX Issue : Closed by grantor. Appears negative. 

XXXX. XXXX XXXX XXXX # : XXXX  XXXX XXXX : {$0.00} | DOFD : XXXX Issue : Closed loan. No issues, dispute if derogatory. 

XXXX. XXXX  XXXX XXXX Acct # : XXXX XXXXXXXX XXXX : {$0.00} | XXXX : XXXX Issue : Account shows {$0.00} balance and has been closed since XXXX. If not derogatory, it should not be reported negatively. Otherwise, provide full billing and contract validation.. 

XXXX. XXXX XXXX Acct # : * XXXX XXXX : {$820.00} | XXXX : XXXX Issue : XXXX days late. 

XXXX. LEGAL VIOLATIONS - FCRA 1681e ( b ) : Accuracy of reported information - FCRA 1681i ( a ) ( 5 ) ( A ) : Reinvestigation and mandatory deletion - FCRA 1681s-2 ( b ) : Furnisher responsibilities after notice - FCRA 611 : Dispute resolution process - FCRA 609 ( a ) ( 1 ) : Right to full disclosure and original documentation - FCRA 1681c ( a ) : Reporting limits for derogatory data ( XXXX rule ) - FDCPA 1692g : Debt validation within XXXX  days ( for collections ) - UCC 1-308 : Reservation of rights- Metro 2 Compliance : Standards for charge-offs, settlements, and tradeline reporting AFFIDAVIT DECLARATION I, XXXX XXXX, do solemnly affirm that the information provided herein is true and accurate. I reserve all rights under UCC 1-308 and do not waive any legal remedy available to me. If your agency can not verify these accounts with original signed contracts and supporting documentation within XXXX  days, they must be permanently deleted per FCRA 1681i ( a ) ( 5 ) ( A ).

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