Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is a formal complaint regarding multiple inaccurate, inconsistent, and legally non-compliant accounts reporting on my Experian credit file. I have previously disputed these items, and Experian continues to verify the information without conducting a lawful investigation or adhering to 15 USC 1681i, Metro 2 data standards, or furnishing obligations under 1681s-2.

Each account below contains violations of both FCRA and Metro 2 Format Guidelines. I am demanding immediate deletion of the following accounts due to data integrity breaches, obsolete reporting, improper furnisher practices, and CRA negligence. 



ACCOUNT XXXX : XXXXXXXX XXXX XXXXXXXX Status : Paid, Closed {$71.00} charge-off Last Updated : XX/XX/XXXX Issue : Reporting XXXX months of Charge-Off status after being paid in full Metro 2 Violations : Continued XXXX  reporting after {$0.00} balance XXXX XXXX activity but derogatory status remains No Date of First Delinquency disclosed FCRA Violations : 15 USC 1681e ( b ) Inaccurate and misleading charge-off coding 15 USC 1681i ( a ) ( 1 ) ( A ) No reasonable reinvestigation 15 USC 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable data 15 USC 1681i ( a ) ( 7 ) Refusal to provide method of verification 15 USC 1681s-2 ( b ) ( 1 ) ( D ) Continued furnishing of false data 15 USC 1681n, 1681o Willful/negligent noncompliance ACCOUNT XXXX : XXXX XXXX XXXX Status : Open {$7000.00} balance, marked Repossession Issue XXXX XXXX XXXX ( XX/XX/XXXX ) but still reports balance + XXXX late marks into XXXX Metro 2 Violations : Simultaneous reporting of repossession + XXXX lates = double derogatory Re-aging of delinquency with no payment activity since XX/XX/XXXX Open status violates Metro 2 if vehicle has been repossessed FCRA Violations : 15 USC 1681e ( b ) Inaccurate status and timeline 15 USC 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate 15 USC 1681i ( a ) ( 5 ) ( A ) Failing to delete unverifiable data 15 USC 1681s-2 ( b ) ( 1 ) ( AE ) Violations by furnisher : no updates , review, or corrections 15 USC 1681c ( a ) ( 4 ) Reporting obsolete delinquencies 15 USC 1681n, 1681o Civil liability for XXXX harm ACCOUNT XXXX XXXX XXXX XXXXXXXX Status : XXXX, XXXX ( as of XX/XX/XXXX ) Delinquencies : XXXX lates from XX/XX/XXXX XX/XX/XXXX Issue : Account closed for XXXX years but still showing negative history Metro 2 Violations : Inconsistent aging of lates Late payments reported without active obligation FCRA Violations : 15 USC 1681c ( a ) ( 4 ) - ( 5 ) Obsolete negative payment data 15 USC 1681e ( b ) Misleading to continue derogatory marks after payoff 15 USC 1681i ( a ) ( 7 ) No Method of Verification provided 15 USC 1681s-2 ( b ) ( 1 ) ( D ) Failure to delete once obsolete 15 USC 1681n, 1681o Damages for failure to correct or remove

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