Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : Formal Dispute Request for Immediate Deletion of Inaccurate Account XXXX XXXX XXXX XXXX XXXX Dear Credit Reporting Agency , I am formally disputing the account listed under XXXX XXXX XXXXXXXX on my credit report. I demand a reinvestigation under 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ) based on the factual inconsistencies and Metro 2 violations outlined below.

Your reporting agencies are showing conflicting and materially inaccurate data for this single tradeline. These errors violate Metro 2 compliance, particularly the Reporting Date Field, Account Status Field, and Payment History Profile, and are negatively affecting my creditworthiness. This is legally considered inaccurate and incomplete reporting. 

| * * Data Field * * | * * Equifax * * | * * TransUnion * * | * * Experian * * | * * Violation Type * * | | -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | | Account Type | Revolving | Revolving | Credit Card | Inconsistent Type Label | | Balance | \ {$2100.00} | \ {$2000.00} | \ {$2100.00} | Conflicting Balance Data | | Credit Limit | \ {$2200.00} | \ {$2200.00} | \ {$2200.00} | Consistent | | Monthly Payment | \ {$110.00} | \ {$110.00} | \ {$110.00} | Conflicting Payment Terms | | Past Due Amount | \ {$190.00} | Not Listed | \ {$75.00} | Missing or Mismatched Info | | Date Opened | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Consistent | | Last Payment Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Consistent | | Responsibility | Individual | Individual | Individual | Consistent | | Status | 30 Days Past Due ( XX/XX/XXXX ) | No 30-day past due listed | 30 Days Past Due ( XX/XX/XXXX ) | Status & Date Inconsistency | | Comments/Remarks | " Your statement '' | " Your statement '' | " Your statement '' | Neutral | Why This Account Must Be Deleted These material inconsistencies create a false impression of my credit behavior. As per FCRA 1681e ( b ), all information must be reported with maximum possible accuracy, and under FCRA 1681i, the CRA must provide proper verification or remove the item.

The Metro 2 standard requires uniformity across systems and this account fails that standard. In addition, the emotional, financial, and reputational harm caused by this ongoing negligence is unacceptable and can not be overstated. 

DEMAND FOR ACTION : I hereby demand : A full deletion of the XXXX XXXX XXXX account due to multiple inaccuracies. 

A copy of the method of verification per 1681i ( 6 ) ( B ) ( iii ) if the account is not deleted.

That no data furnisher be allowed to reinsert unverifiable data without full documentation.

Failure to act in good faith may lead to legal remedies under FCRA 616 and 617, which allow for damages due to negligent or willful noncompliance.

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