Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX The XXXX XXXX Format is the industry standard which was created to address the issues of accuracy and completeness of information of handling consumer data. Consumer Reporting Agencies, such as yours, must participate in the accuracy process and guidelines required by the Metro 2 Format and Industry Standards. The consumer reporting agencies must work together to develop, maintain and enhance an industry- standard reporting format. 
In my previous notice to you, I have stated there has been several accounts reported inaccuracy on my consumer report which were reporting inaccurately and they are not Metro 2 Compliant. These accounts which were not metro 2 compliant should have been deleted for not following the industry standard required to maintain maximum possible accuracy. However these accounts came back verified meaning these accounts SHOULD BE BOTH 100 % % ACCURATE AND COMPLETE but ARE NOT ACCURATE AND COMPLETE. This has been an utter failure to follow your reasonable procedures required by 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) and ( ii ). 
THE FOLLOWING INFORMATION IS NOT ACCURATE AND NOT METRO-2 COMPLIANT : This account is reporting inaccurately and it is not metro 2 compliant. NAME OF ACCOUNT : XXXX XXXX XXXX XXXX ACCOUNT NUMBER:8270306 Immediately Delete This Account from my credit file. 
ACCOUNT NUMBER : XXXX reported " - '', Experian reported " XXXX '', XXXX reported " - '' ACCOUNT TYPE : XXXX reported " - '', Experian reported " XXXX  '', XXXX reported " - '' ACCOUNT DETAIL : XXXX reported " - '', Experian reported " XXXX Account '', XXXX reported " - '' XXXX CODE : XXXX reported " - '', Experian reported " XXXX  '', XXXX reported " - '' ACCOUNT STATUS : XXXX reported " - '', Experian reported " Derogatory '', XXXX reported " - '' MONTHLY PAYMENT : XXXX reported " - '', Experian reported " -- '', XXXX reported " - '' DATE OPENED : XXXX reported " - '', Experian reported " XXXX '', XXXX reported " - '' BALANCE : XXXX reported " - '', Experian reported " XXXX '', XXXX reported " - '' NUMBER OF MONTHS : XXXX reported " - '', Experian reported " XXXX '', XXXX reported " - '' HIGH CREDIT : XXXX reported " - '', Experian reported " XXXX '', XXXX reported " - '' CREDIT LIMIT : XXXX reported " - '', Experian reported " -- '', XXXX reported " - '' PAST DUE : XXXX reported " - '', Experian reported " XXXX '', XXXX reported " - '' PAYMENT STATUS : XXXX reported " - '', Experian reported " Collection/Chargeoff '', XXXX reported XXXX - '' LAST REPORTED : XXXX reported XXXX - '', Experian reported XXXX XXXX '', XXXX reported XXXX - '' LAST ACTIVE DATE : XXXX reported XXXX - '', Experian reported XXXX XXXX '', XXXX reported XXXX - '' LAST PAYMENT DATE : XXXX reported XXXX - '', Experian reported XXXX XXXX '', XXXX reported XXXX - '' Delete this account for failure to follow reasonable procedures pursuant to 15 U.S.Code 1681i ( 5 ) ( A ) ( i ) and ( ii ) and failure to follow procedures to maintain maximum possible accuracy and violation of 15 U.S.Code 1681e ( b ). Failure to maintain Metro-2 Compliance. 
Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona 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