Consumer complaint received 2025-03-29 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: FL

Complaint narrative:
This is a formal dispute concerning inaccurate, incomplete, and/or unverifiable information being reported on my consumer credit report in violation of 15 U.S.C. 1681i, 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Regulation F under the CFPB, and Metro 2 reporting guidelines established by the Consumer Data Industry Association ( CDIA ).

I am requesting an immediate investigation and deletion of the following negative items that are either : - Inaccurately reported- Not compliant with Metro 2 formatting- Unverified under 15 U.S.C. 1681i - In violation of Regulation F ( 12 CFR Part 1006 ) Disputed Accounts : 1. XXXX XXXX ( XXXX ) ( XXXX XXXX ) XXXX. XXXX Bank XXXX ( XXXX ) ( XXXX XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) ( XXXX XXXX ) XXXX. XXXX ( XXXX ) XXXX XXXX ) XXXX. Personify- ( Charge-Off ) ( XXXX XXXX ) XXXX. XXXX XXXX ( XXXX ) ( XXXX XXXX ) XXXX. XXXX Bank XXXX ( XXXX ) ( XXXX XXXX ) XXXX. XXXX XXXX ( XXXX ) ( XXXX XXXX ) XXXX. XXXX XXXX ( XXXX ) ( XXXX XXXX ) XXXX. Florida XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( Collection ) XXXX XXXX XXXX XXXX XXXX Collection ) XXXX. XXXX XXXX ( inquiry ) XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX. XXXX XXXX XXXX ( inquiry ) XXXXXXXX XXXX XXXX XXXX ( inquiry ) XXXX. XXXX XXXX XXXX ( inquiry ) These accounts must be thoroughly investigated and verified under FCRA standards. If the data furnisher can not provide competent evidence and complete documentation verifying the accuracy and permissible purpose for reporting this information, it must be permanently deleted. 

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the bureau or furnisher is required to conduct a reasonable reinvestigation. Furthermore, under 15 U.S.C. 1681e ( b ), you are obligated to ensure the maximum possible accuracy of any information reported.

In addition, under Regulation F 12 CFR 1006.34, debt collectors are required to provide itemized validation notices and ensure all communications comply with debt collection rules. Any account that has not followed these rules can not be legally reported.

I am also demanding that you ensure that these accounts are : - Reported with complete and accurate fields per Metro 2 Format - Do not violate FCRA 623 obligations to report accurate data - Properly coded, especially for charge-offs and collections Failure to comply with these federal regulations and your own internal procedures ( per the CDIA guidelines ) could result in legal action. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

You have 30 days to complete this reinvestigation and provide a response, as required by law. 

Please send me a detailed summary of your reinvestigation, including : - The method of verification - The name and contact of the individual or department that verified each item - A copy of all supporting documentation used in the process

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