Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Texas Attorney General * * Subject * * : * * Final Demand for Immediate Correction of Fraudulent Reporting, FCRA Violations, and Permanent Deletion of Inaccurate Accounts * * To Whom It May Concern : Under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681i ) * *, * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) * *, and * * Metro 2 Compliance Standards * *, I demand the immediate correction of * * fraudulent, deceptive, and unverified information * * on my credit reports. For over a decade, XXXX XXXX and Experian have violated federal law by failing to investigate disputes, allowing false data to persist, and misrepresenting creditors. 

-- - # # # * * Legal Violations * * 1. * * FDCPA 1692e * * : Debt collectors ( XXXX XXXX XXXX XXXX XXXX falsely claimed to be the * * original creditor * *, a deceptive practice. 
2. * * FCRA 1681e ( b ) * * : Credit bureaus failed to maintain reasonable procedures to ensure accuracy, resulting in : - Fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- * * False late payments * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  despite * * 100 % on-time payment history * *. 
- Inconsistent account statuses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but inaccurately reported ). 
3. * * Metro 2 Noncompliance * * : - Missing original creditor details ( e.g., XXXX XXXX XXXX ). 
- Lack of debt validation. 
- * * Inaccurate payment histories * * ( e.g., XXXX XXXX  falsely reported as delinquent ). 

-- - # # # * * Disputed Accounts & Demands * * # # # # * * 1. Fraudulent Creditor Misrepresentation * * - * * XXXX XXXX XXXX * * : Listed as original creditor ( violates FDCPA 1692e ( 2 ) ( A ) ). 
- * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Falsely reported as Collection/Charge-Off with a {$1500.00} balance. * * True Status * * : Closed in XXXX with {$0.00} balance ; * * 100 % on-time payments * *. 

# # # # * * 2. Payment History Errors * * - XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Falsely reports missed payments. * * True History * * : * * 100 % on-time payments * *. 
- * * XXXXXXXX XXXX XXXX XXXX  : Inaccurately lists missed payments. * * True History * * : * * 100 % on-time payments * *. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Closed XX/XX/XXXX, with * * 100 % on-time payments * *. 

# # # # * * 3. Inconsistent Account Statuses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but lacks uniform reporting across bureaus. * * True History * * : * * 100 % on-time payments * *. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inactive account with {$0.00} balance misreported as active. 

-- - # # # * * Demanded Actions * * 1. * * Delete All Fraudulent/Unverified Accounts * * : - XXXX XXXX XXXX ( {$580.00} ). 
- XXXX BANK ( {$1500.00} ). 
- XXXX XXXX ( {$0.00} ). 

2. * * Update All Accounts to Paid as Agreed * * : - Correct payment histories to reflect * * 100 % on-time payments * * for * * ALL ACCOUNTS * *, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

3. * * Standardize Account Statuses * * : - Remove discrepancies XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

4. * * Conduct e-OSCAR Audits * * : - Investigate Metro 2 compliance failures ( e.g., missing original creditor data for XXXX ). 

-- - # # # * * Legal Notice * * Failure to resolve these violations by * * XX/XX/XXXX * * will result in : - Lawsuits against XXXX XXXX and Experian for * * willful FCRA violations * * ( up to {$3500.00} per violation ). 
- Complaints to the * * CFPB * *, * * FTC * *, and * * Texas Attorney General * * for : - FDCPA violations ( 15 U.S.C. 1692e ).

- UDAAP violations ( 12 U.S.C. 5531 ). 

-- - # # # * * Attachments * * - Copy of government-issued ID. 
- Proof of address ( utility bill ). 
- Prior dispute records. 

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

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