Consumer complaint received 2025-07-28 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: MA

Complaint narrative:
Dear Legal Team at CRAs : I have been disputing multiple inaccurate and unverifiable tradelines for over 90 days with no proper method of investigation ever provided, as required by law. Despite this, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and others continue to report derogatory tradelines ( collections and charge-offs ) that are factually inaccurate, inconsistent, and legally deficient under both the FCRA and Metro 2 compliance standards . 

Specifically : XXXX  XXXX XXXX is reporting duplicate charge-offs with different balances ( {$2800.00} and {$1200.00} ), with dates and payment status that conflict with each other and with TransUnion and Equifax. No 1099-C was issued, and the charged-off balances exceed any high credit limit, which violates FCRA 1681e ( b ) and Metro 2 Format Guidelines XXXX 

XXXX XXXX XXXX XXXX XXXX has failed to provide contract, chain of title, or any Forward Flow Agreement that shows legal assignment or documentation warranties. Their data fields conflict between bureaus, and they are reporting a balance of {$350.00} as past due while also placing it in collection. This is a direct violation of FCRA 1681s-2 ( b ) and FDCPA 809 ( b ). XXXX has a known pattern of noncompliance and was cited in CFPB v. Encore Capital for similar practices. 

XXXX XXXX XXXX is reporting a collection account with a balance of {$1700.00}, inconsistent with the original creditors charge-off and without any legal validation or assignment proof. This tradeline is unverified, fails Metro 2, and violates FDCPA 809 and FCRA 1681i ( a ). 

XXXXXXXX XXXX XXXX is being reported inconsistently as both an open installment account and placed for collection. The balance and payment history conflict across TransUnion and Experian. Payment status says seriously past due, but no past due history is providedmaking the data materially misleading and unverifiable. These are textbook violations of FCRA 1681s-2 ( b ) and Metro 2 base segment compliance.

Across all these accounts, the credit bureaus continue to parrot the response verified as accurate without providing any Method of Investigation or fulfilling their obligation to conduct a reasonable reinvestigation as required under FCRA 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 6 ) ( B ) ( iii ). This has caused ongoing reputational, financial, and legal harm.

Further, these accounts are failing the Metro 2 compliance reporting system, which is the industry standard data furnishing format adopted by the CRAs. These accounts : Report past-due balances after charge-off, which is not allowed Reflect status codes and payment histories that conflict with the account type Fail to list accounts as disputed by consumer as required under FCRA 1681s-2 ( a ) ( 3 ) Are listed under wrong account types ( installment vs open vs collection ) Include duplicate tradelines for the same creditor with inconsistent data These data furnishers and the bureaus are willfully violating my rights under : FCRA 1681e ( b ), 1681s-2 ( b ), 1681i ( a ), 1681n FDCPA 809 ( b ), 807 ( 8 ) Metro 2 Format Section 6.2, 6.3 , 7.2 Preprinted responses stating the accounts were verified are not legally sufficient. No documentary evidence has been provided to support the accuracy of these tradelines. I am demanding enforcement.

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