Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Washington, DC XXXX XXXX XXXX Date : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute multiple inaccurate, incomplete, and unverifiable entries listed on my credit report from Experian. I demand an investigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

I believe this information is incorrect. You are required to investigate all disputed items and verify their accuracy, including full compliance with Metro 2 standards for reporting.

I. Unauthorized and Duplicate Hard Inquiries ( Violation of Accurate Reporting ) These entries are unauthorized applications for credit or are duplicate listings of the same application, violating the Metro 2 standard for unique, accurate inquiry reporting. 
XXXX. XXXX XXXX : XX/XX/XXXX ( Duplicate Entry / Unauthorized ) XXXX. XXXX XXXX : XX/XX/XXXX ( Duplicate Entry / Unauthorized ) XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX ( Excessive Inquiry / Unverified ) XXXX. XXXX XXXX : XX/XX/XXXX ( Duplicate Entry / Unverified ) XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ( Duplicate Entry / Unverified ) XXXX. XXXX XXXX : XX/XX/XXXX ( Duplicate Entry / Unverified ) XXXX. XXXX XXXX : XX/XX/XXXX ( Duplicate Entry / Unverified ) XXXX. XXXX XXXX XXXX : XX/XX/XXXX ( Duplicate Entry / Unverified ) XXXX. XXXX XXXX : XX/XX/XXXX ( Duplicate Entry / Unverified ) XXXX. XXXX : XX/XX/XXXX ( Duplicate Entry / Unverified ) XXXX. XXXX XXXX XXXX : XX/XX/XXXX ( Duplicate Entry / Unverified ) XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX / Unverified ) XXXX. XXXX XXXX : XX/XX/XXXX ( Excessive Inquiry / Unverified ) II. Inconsistent Accounts ( Violation of Metro 2 Completeness ) These accounts contain inconsistencies in name, misrepresenting my credit file. I demand the furnisher provide the full account number and official legal name to verify accuracy. 
XXXX. XXXX XXXX XXXX ( Active, {$48000.00} ) : Inconsistent Name ( Discrepancy with XXXX XXXX XXXX reporting XXXX ). 
XXXX. XXXXXXXX XXXX XXXX ( Closed, {$600.00} ) : Inconsistent Name ( Discrepancy with XXXX XXXX XXXX reporting XXXXXXXX XXXX XXXX 
The Critical Violation of Consumer Rights The presence of duplicate inquiries and inconsistent account names is a direct violation of my consumer rights under the FCRA.

15 U.S. Code 1681i ( Right to Dispute ) : This section is violated because Experian is reporting information that is demonstrably inaccurate ( e.g., duplicate credit pulls on the same day ). The failure of the data furnisher to report accurate and consistent information creates an incomplete picture of my credit profile.

Metro 2 Compliance : The Metro 2 format mandates specific codes and data fields for accurate reporting. Duplicate hard inquiries ( as seen with XXXX XXXX ) strongly suggest a failure to apply the proper inquiry recording logic, thereby misstating the risk profile of the consumer and negatively impacting my ability to obtain favorable rates. 
DEMAND FOR DELETION & COMPLIANCE : Under 15 U.S. Code 1681i, you are required to investigate these disputed entries. If the entries can not be verified as 100 % accurate, complete, and fully compliant with Metro 2 standards for reporting by the furnisher of information, I demand the immediate DELETION of these items from my credit report.

Furthermore, under 15 U.S. Code 1681s-2, the creditor ( or furnisher ) is legally required to report only accurate data. Failure to validate these entries or meet Metro 2 requirements demands immediate removal. 
Please treat this dispute with urgency and provide me with verification and DELETION within the legally mandated 30-day time frame.

Thank you for your attention to this matter. 
Sincerely, 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