Consumer complaint received 2025-08-10 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: TN

Complaint narrative:
Re : Formal Dispute Demand for Immediate Deletion of All Negative Information To Whom It May Concern, This is a formal dispute of all negative, inaccurate, unverifiable, outdated, and nonMetro 2compliant information currently being reported on my Experian credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), Family Educational Rights and Privacy Act ( FERPA ), and other applicable laws.

Legal Grounds for Deletion : 1. 15 U.S.C. 1681c-2 ( FCRA ) Requires deletion of information resulting from identity theft, fraud, or unverifiable accounts within 4 business days.

2. 15 U.S.C. 1692g ( FDCPA ) Debt collectors must provide complete validation before reporting ; unverifiable accounts must be deleted.

3. FCRA 605 ( c ) ( 1 ) Prohibits reporting adverse information beyond allowable time periods.

4. 15 U.S.C. 68016802 ( GLBA ) Protects against unauthorized sharing of my personal financial data.

5. FERPA Prohibits unlawful disclosure of educational/loan records without proper consent.

6. 15 U.S.C. 1666b Requires timely crediting of payments ; inaccurate late notations must be corrected or deleted. 
7. Metro 2 Compliance Standards ( CDIA ) All reporting must adhere to Metro 2 accuracy and formatting requirements ; noncompliance constitutes an inaccuracy under FCRA. 
Accounts in Violation : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX {$330.00} o Violations : No documented debt validation ( 15 U.S.C. 1692g ) Possible re-aging of debt ; Date of First Delinquency not clearly reported ( Metro 2 violation ) Balance and status updates inconsistent with payment history grid No permissible purpose documentation ( 15 U.S.C. 1681b ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX Account # XXXX Opened XX/XX/XXXX {$1500.00} XXXX Violations : No debt validation ( 15 U.S.C. 1692g ) Metro 2 reporting discrepancies in date fields and account status Potential re-aging of account to keep it reporting beyond allowable period Public Record Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Violations : Outdated reporting if more than 7 years from date of filing or discharge ( FCRA 605 ) Metro 2 requirement for Public Record Date Filed and Date Resolved accuracy not met if records differ from court data Hard Inquiry XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : No permissible purpose provided ( 15 U.S.C. 1681b ) Metro 2 code missing or incorrect for permissible purpose Demand : I hereby demand the immediate deletion of all above-listed accounts and any other negative items that are inaccurate, unverifiable, outdated, or noncompliant with federal law and Metro 2 standards. 
Please provide written confirmation of deletion within 15 days. Failure to comply will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, and may lead to legal action under 15 U.S.C. 1681n and 1681o. Enclosed are my government-issued ID, proof of address, and supporting documentation for your investigation.

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