Consumer complaint received 2025-07-23 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:
To : Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX  XXXX ( Also send to : Equifax XXXXXXXX XXXX XXXX, XXXX, XXXX  XXXX TransUnion XXXX. XXXX XXXX, XXXX, XXXX  XXXX ) Subject : Formal Dispute Request for Permanent Removal of Inaccurate and Non-Compliant Accounts Under FCRA & Metro 2 Guidelines Dear Dispute Investigator, As a consumer fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 credit reporting standards, I am submitting this letter to formally dispute the accuracy, completeness, and legal reporting of several negative entries on my credit report. 

This is not a blanket dispute. I am disputing each item based on specific Metro 2 format violations, inaccurate data reporting, and failure to comply with FCRA 602A, 609, 611, 623, and Regulation V.

Below is a detailed table summarizing the accounts that must be removed or corrected immediately : Disputed Accounts & Metro 2 Violations # Creditor Name Account Number ( Partial ) Issue Type FCRA/Metro 2 Violation Summary Requested Action XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off Incomplete balance update ; failure to update timely under FCRA 623 ( a ) ( 2 ) Delete or update accurately 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off Reports as open charge-off past statutory period ; violates Metro 2 closure rules Delete tradeline XXXX XXXX  XXXX ( Multiple Accounts ) See list below Multiple Charge-offs Improper status codes ( still showing active ) ; violates Metro 2 charge-off rules Delete or correct status XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past due Failure to mark account as disputed XXXX FCRA 611 compliance failure Remove lates / mark disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection No full debt validation ; possible FDCPA & FCRA violation Delete for lack of validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off No current balance / aged charge-off ; violates FCRA 605 ( a ) ( 5 ) Delete or re-age correctly XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * XXXX late Payment not reported consistently ; missing data fields ; Metro 2 compliance error Remove late payment Summary of Violations ( Legal & Reporting Standards ) : FCRA 602A & 609 : Lack of permissible purpose for inquiries and insufficient documentation for reported items. 

FCRA 623 ( a ) ( 2 ) : Data furnishers must correct and update inaccurate information.

FCRA 611 : Failure to mark accounts as disputed during an active dispute process.

Metro 2 Guidelines : Charge-off accounts must be reported with Account Status Code 93 or 97, and must be updated timely. Inaccurate balances, past-due amounts, or open statuses on charged-off accounts are strictly non-compliant.

Re-aging or open charge-offs beyond 7 years may violate FCRA 605 ( a ) ( 4-5 ). 

Hard Inquiry Removal Request ( Unauthorized Access ) In addition, I am disputing the following hard inquiries, which were not authorized, not initiated by me, and not associated with any open accounts. These must be removed immediately per FCRA 604 : Inquirer Inquiry Date Violation Summary Action Requested XXXX XXXX XXXX XX/XX/XXXX No permissible purpose ; not linked to any open account Delete immediately XXXX XXXX XXXX XX/XX/XXXX Unauthorized ; no account exists Delete immediately XXXX XXXXXXXX XX/XX/XXXX Auto loan pull without consent Delete immediately XXXX XXXX XXXX XX/XX/XXXX Duplicate inquiry ; not consumer-initiated Delete immediately XXXX XXXX XXXX XX/XX/XXXX No permissible purpose Delete immediately XXXX XXXX XX/XX/XXXX Not linked to any current application Delete immediately Requested Resolution Per the FCRA and Metro 2 data standards, I am formally requesting the following actions : Permanently delete all late payments and charge-offs that are inaccurate, unverifiable, outdated, or non-compliant. 

Remove all unauthorized hard inquiries immediately. 

Provide documentation verifying the validity of each disputed item or remove them within 30 days. 

Send written confirmation of each correction or deletion as required under FCRA 611 ( a ) ( 6 ).

Attached : Copy of my government-issued ID Proof of current address ( utility bill ) Screenshot excerpts of disputed tradelines ( if needed ) Thank you for your prompt attention. I expect a thorough investigation and resolution within the 30-day time frame as mandated by federal law. 

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