Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX To All Consumer Reporting Agencies Experian | XXXX XXXX XXXX RE : Formal Dispute of Inaccurate Reporting Demand for Deletion or Full Metro 2 Compliance Creditor : XXXX XXXX  Account ending in XXXX To Whom It May Concern, I am formally disputing the accuracy and completeness of the above-referenced account reporting on my credit file. This account is being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX  Metro 2 Reporting Guidelines, which are the required standard for credit data furnishers.

Because this account is being reported with multiple material inaccuracies, it is incomplete, misleading, and unlawful, and therefore must be deleted immediately under FCRA 611.

1. ILLEGAL RE-AGING OF DEBT ( FCRA 605 ( c ) ) The Date of First Delinquency ( DOFD ) was in XXXX, yet the account is being reported with : Status updates in XXXX, XXXX, and XXXX Ongoing c

harge-off ( CO ) notations every month A refreshed Date of Status or Date Updated This artificially extends the reporting period and is illegal re-aging in violation of FCRA 605 ( c ) and FCRA 623 ( a ) ( 5 ). If DOFD is not accurately reported as XXXX, the account must be deleted.

2. IMPROPER CHARGE-OFF REPORTING ( Metro 2 Violation ) A charge-off can only occur one time. However, XXXX XXXX  is reporting CO every month for more than a year. 
Metro 2 payment history requirements allow ONLY ONE CO entry. Repeated CO reporting is false, misleading, and non-compliant.

3. BALANCE & PAST DUE AMOUNT CONTRADICTION The account shows : {$3000.00} written off AND {$3000.00} past due Once an account is charged off and closed : Past Due Amount MUST be {$0.00} Balance MUST be {$0.00} if sold, forgiven, or 1099-C issued Reporting a past due balance after charge-off violates : Metro 2 Field 12 & 17 FCRA 1681e ( b ) Maximum possible accuracy FCRA 1681s-2 ( b ) Duty to update and correct 4. CONTINUOUS NEGATIVE REPORTING ON A CLOSED ACCOUNT The account is marked Closed, yet the furnisher is still updating monthly with negative status codes.

This is misleading and designed to damage credit longer, violating FCRA 1681s-2 ( a ) and Metro 2 closure rules.

5. MISSING OR INCORRECT DOFD The Date of First Delinquency ( DOFD ) is required by FCRA 623 ( a ) ( 5 ) and must never be changed.

If the DOFD is not reporting accurately as of XXXX, the account must be deleted immediately. 

6. FAILURE TO ASSURE MAXIMUM POSSIBLE ACCURACY Under FCRA 1681e ( b ), the CRA must ensure maximum possible accuracy.

This account is : Inconsistent Incomplete Misleading Reported in violation of Metro 2 standards Therefore, it must be corrected or removed.

7. REQUEST FOR METHOD OF VERIFICATION ( FCRA 611 ( a ) ( 7 ) ) Under FCRA 611 ( a ) ( 7 ), I request : The method used to verify this information.

The name, address, and telephone number of the furnisher.

The exact DOFD reported by XXXX XXXX. 


Proof that the account is being reported in FULL Metro 2 compliance.

REQUIRED ACTION Under FCRA 611 : Investigate this account Provide full Metro 2compliant documentation OR DELETE the account entirely If you can not verify every field with 100 % accuracy, compliance, and proper DOFD reporting the account must be deleted from my credit report.

Thank you for your prompt attention. I expect a response within 30 days as required by 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