Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal Round 2 dispute pursuant to the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. You have continued reporting inaccurate and unverifiable information. No signed contract, itemized statements, or assignment documentation was provided. This failure to comply with federal law is a serious violation of consumer protection rights. 

XXXX. ACCOUNTS IN DISPUTE : XXXX XXXX XXXX XXXX XXXX Acct # : XXXX Balance : {$590.00} No original agreement or contract has been presented. The CFPB complaint remains open with no legal proof of debt submitted. 
Violates FCRA 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 5 ) ( A ), 611, and Metro 2 compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # : XXXX Balance : {$1100.00} This medical debt, allegedly from XXXX XXXX XXXX XXXX, continues to be reported despite HIPAA privacy violations and lack of validation. Under federal guidance and the current administration, medical debts under {$500.00} must be removed. Violates 45 CFR 164.502, FCRA 1681e ( b ), 1681c ( a ) ( 6 ), 1681i ( a ), 611, and Metro 2. 
XXXX XXXX XXXX Acct # : XXXX Balance : {$15000.00} ( Charge-off ) You continue to report a balance after a charge-off with no reaffirmed contract or validation. This is a Metro 2 violation.

Violates FCRA 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 5 ) ( A ), 611, and Metro 2 guidelines. 
PERSONAL INFORMATION STILL REPORTING INACCURATELY : - Multiple outdated and false addresses, names, and phone numbers remain across your reporting system. 
- This creates identity confusion and increases the chance of file mixing. 
- This violates FCRA 1681e ( b ), 611, and must be corrected immediately.

CROSS-BUREAU REPORTING DISCREPANCIES : The XXXX XXXX XXXX charge-off account is reporting different dates of first delinquency ( DOFD ), payment statuses, and balance update timelines across Experian, XXXX XXXX XXXX This is a direct violation of FCRA 1681e ( b ), which requires maximum possible accuracy. These inconsistent records across bureaus prove the data is unreliable and must be deleted immediately.

LEGAL BASIS FOR DISPUTE : - FCRA 1681e ( b ) : You must ensure maximum possible accuracy.

- FCRA 1681i ( a ) : Reinvestigation must be thorough and verifiable.

- FCRA 1681i ( a ) ( 5 ) ( A ) : Inaccurate or unverifiable information must be deleted.

- FCRA 1681i ( a ) ( 7 ) : I demand the method and documentation you used to verify these accounts.

- FCRA 611 : Full rights to dispute and demand deletion of unverifiable information.

- Metro 2 : Closed/charged-off accounts must not report balances unless validated.

- HIPAA & Executive Action : Medical bills under {$500.00} can not be reported without proof and violate federal medical privacy laws. 

Your failure to provide proper documentation is OUTRAGEOUS. This is your second notice, and if corrections are not made, I will take action with the CFPB, FTC, XXXX, and pursue legal action under federal law. I am demanding full deletion of all inaccurate data listed above Round 2. Per 15 U.S.C. 1681i ( a ) ( 7 ), I am again demanding a detailed description of the procedure used to verify each disputed account. You are legally required to disclose how verification was conducted and with whom. Failure to provide this will result in additional legal action

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