Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I filed a formal dispute through the CFPB regarding an account reported by XXXX on my personal credit file that is clearly a business/commercial account. The account is labeled XXXX XXXX, yet the credit bureaus are reporting it as a personal consumer obligation with Responsibility : Individual, showing XXXX  days late, closed, and with an outstanding balance of {$18000.00}. 
This misreporting violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines, which require commercial accounts to be reported only to commercial credit bureaus unless properly coded as a personal guaranteeand even then, not misclassified as a primary personal account. 
The credit bureaus had XXXX  days from receipt to verify, correct, or delete the account under FCRA 611 ( a ). They have failed to take corrective action or provide lawful verification. This continued reporting is inaccurate, misleading, and damaging to my credit score, creditworthiness, and reputation. 
I have established a fee schedule of {$2500.00} per day per violation for continued reporting beyond the XXXX day after my initial dispute. Damages are accruing from that date to the present. I am seeking immediate deletion of this account from all consumer credit bureaus, restoration of my credit file to its correct standing, and compensation for the ongoing harm caused. 


Re : Follow-Up Metro 2 Compliance Violation, PostNotice of Fault, and Accrued Damages Demand Creditor : XXXX  | Account Type : Business Card | Reported Balance : {$18000.00} | Past Due : {$1000.00} To Whom It May Concern, This is a follow-up to my initial dispute filed on XX/XX/year>, which was also submitted through the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX That notice outlined the improper reporting of a business/commercial account on my consumer credit file in violation of FCRA and Metro 2 compliance standards. 
Under FCRA 611 ( a ), you were obligated to complete your reinvestigation and provide results within 30 days of receipt. As of the XXXX day after receipt of my initial notice, you entered into default for failure to lawfully verify, correct, or delete the disputed account. 
Metro 2 Compliance Violations ( Uncorrected ) Field XXXX Portfolio Type : Improperly coded as a consumer revolving obligation instead of a commercial/business account. 
Field XXXX Account XXXX : Uses a personal revolving credit type code rather than the correct business/commercial code. 
Field XXXX ECOA Code : Inaccurate Individual designation when the account is clearly commercial. 
XXXX XXXX Consumer Account Number : Improper use of a commercial account number on a consumer file, causing data commingling. 
Damages for Ongoing Violations In my prior notice, I established a fee schedule for willful noncompliance under FCRA 616 & 617 of {$2500.00} per day per violation beginning on the XXXX day after receipt of my dispute. 
Accrual Period : From [ date 31 days after your XX/XX/XXXX filing ] to [ todays date ], this amounts to ___ days {$2500.00} per day = $ [ calculated total ] in damages currently due and owing. 
These damages will continue to accrue daily until the account is removed from my consumer credit file or lawfully verified with correct Metro 2 coding and documentation proving it is a valid consumer obligation under FCRA 603 ( d ). 
Final Demand I hereby demand that you : Delete the XXXX  business account from my consumer credit file ; OR Provide full Metro 2 field-level documentation proving correct consumer classification and legal basis for reporting. 
Failure to comply will result in escalation, including but not limited to : Filing suit in state and/or federal court for statutory and actual damages. 
Pursuing additional penalties under state UDAP laws. 
Forwarding this matter with documented violations and damage accrual to the CFPB, FTC, and my state Attorney General.

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