Consumer complaint received 2025-04-03 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 XXXX XXXX XXXX IL XXXX Final Notice of Non-Compliance and Demand for Immediate Deletion To Whom It May Concern, \n\nThis letter serves as a FINAL WARNING to your agency. I am demanding the IMMEDIATE REMOVAL of inaccurate, conflicting, and non-compliant data from my credit file. I have submitted multiple disputes regarding the account listed below, and each time, you have responded with a generic and unsubstantiated claim that the account has been verified. This is both unacceptable and a blatant violation of federal law. 
Let me be absolutely clear : under XXXX*15 U.S. Code 1681e ( b ) **, you are REQUIRED to maintain reasonable procedures to ensure the **maximum possible accuracy** of the information you report. The continued reporting of conflicting information across the three bureaus with different statuses, amounts, and comments PROVES that your verification process is either nonexistent or grossly negligent.

Furthermore, under **15 U.S. Code 1681i**, you are LEGALLY OBLIGATED to conduct a full and fair reinvestigation when a dispute is submitted. You have failed to do this not once, but on at least FOUR occasions. This failure exposes you to legal liability, including but not limited to statutory damages, actual damages, and punitive damages, which I will not hesitate to pursue in court.

I have included a detailed Metro 2 compliance chart below that highlights the gross inconsistencies and reporting violations you have continued to endorse. It is now beyond dispute that this account is inaccurately reported and should be permanently deleted from my credit file. 
XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Compliance Issue Account Status ( XXXX ) Derogatory Paid Derogatory XXXX, XXXX Mixed status reporting across bureaus Payment Status ( XXXX ) Collection/Chargeoff Unknown Collection/Chargeoff XXXX, XXXX Experian uses vague XXXX ' Comment Codes ( XXXX ) Dispute resolved Dispute resolved Dispute in progress XXXX XXXX XXXX Dispute comments post-resolution High Credit ( XXXX ) {$15000.00} {$15000.00} {$2000.00} Must match original loan XXXX underreports amount Date Last Active ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Must align with last payment Non-uniform reporting Account Type ( XXXX ) Auto Lease Installment Lease Installment Installment XXXX XXXX XXXX Missing details on XXXX Date Closed ( XXXX ) Not reported Not reported Not reported Required if Paid/Closed Missing across all Payment History XXXX = Paid XXXX = Paid OK XXXX = Paid Late history doesnt match Charge-off \nTHIS IS YOUR FINAL OPPORTUNITY to comply with federal reporting standards and delete this account. If I do not receive a confirmation of permanent deletion within 15 calendar days, I will file formal complaints with the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and my states Attorney General. I am also prepared to initiate legal action for violations of the FCRA, including but not limited to 1681e ( b ) and 1681i.\n\nGovern yourselves accordingly.\n Summary of Metro 2 and FCRA Violations Violation Governing Law Penalty Failure to report consistent account status across all bureaus ( XXXX ) 15 U.S. Code 1681e ( b ) {$1000.00} dispute comments after resolution ( XXXX ) Failure to update or remove 15 U.S. Code 16811 ( a ) ( XXXX ) {$1000.00} ( A ) Failure to report accurate high credit amount ( XXXX ) 15 U.S. Code XXXX ( b ) {$1000.00} Failure to report uniform date 15 U.S. Code 168le ( b ) of last activity ( XXXX ) {$1000.00} Missing or incorrect account 15 U.S. Code 1681e ( b ) type details ( XXXX ) {$1000.00} Omission of required closed 15 U.S. Code 1681e ( b ) date ( XXXX ) {$1000.00} reinvestigation after multiple ( A ) disputes Failure to conduct reasonable 15 U.S. Code 1681i ( a ) ( 1 ) {$1000.00} Continued verification of unverifiable information 15 U.S. Code 1681i ( a ) ( 5 ) {$1000.00} ( A ) CC : \nConsumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, DC XXXX Attorney GeneralXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX 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