Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 Guidelines for the immediate deletion of the following inaccurate, unverifiable, and fraudulently reported accounts appearing on my Experian credit report : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX Accounts # XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Account # XXXX Each of the above-referenced accounts has been disputed on multiple occasions. I have submitted written disputes directly to Experian, attached supporting documentation, and filed formal complaints with both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Despite this, Experian has failed to verify these accounts with any competent proof or documentation and continues to report them inaccurately. To date, I have not received : Any method of verification, as required under 15 U.S.C. 1681i ( a ) ( 7 ) Any signed agreements or contracts proving liability Any chain of assignment from original creditors to debt buyers Any itemized statements or substantiating data Any written explanation in response to previously submitted disputes Experians continued reporting of these accounts constitutes a willful violation of multiple provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 1 ) Failure to perform a lawful reinvestigation within 30 days 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Failure to investigate disputes forwarded by the CRA and correct inaccuracies 15 U.S.C. 609 ( a ) ( 1 ) Failure to disclose the method of verification when requested Furthermore, as demonstrated in my FTC Complaint # XXXX and CFPB Complaints # XXXX, # XXXX, # XXXX, among others, Experian has not only failed to comply with these provisions, but has also attempted to block dispute investigations by falsely stating that litigation is pending when no such litigation exists. This is deceptive, obstructive, and in violation of consumer rights. 

Legal Precedents : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Holding that a CRA must go beyond the original furnishers word and must perform an independent, reasonable reinvestigation. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Reaffirming that failure to accurately report known disputes and incorrect information may result in liability.

Metro 2 Violations : The accounts listed also contain numerous Metro 2 compliance errors, including inconsistent payment histories, incorrect date of first delinquency, failure to mark accounts as disputed, and improperly reporting paid/settled debts as collection accounts. These errors materially misrepresent the nature and status of the debt and damage my credit profile. 

Notice of Harm : I have suffered direct financial and emotional harm due to these reporting failures, including being denied credit, facing elevated interest rates, and enduring reputational damage. I assert my right to accurate credit reporting and legal redress under 15 U.S.C. 1681n and 1681o, including potential monetary damages.

Recent CFPB Enforcement : It is further noted that Experian has recently been sued by the CFPB for failing to adequately investigate consumer disputes and misrepresenting information to consumers. These issues appear systemic and consistent with the experience I am documenting here.

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