Consumer complaint received 2025-06-06 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: MI

Complaint narrative:
TO WHOM IT MAY CONCERN : This letter serves as my second formal demand for the immediate investigation and correction of serious inaccuracies on my credit report. These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and Metro 2 Compliance Standards as outlined by the Consumer Data Industry Association ( CDIA ).

Despite my previous dispute, it has now been several weeks with no resolution, no written findings, and no correction to the erroneous late payment entries. As a direct result, I recently suffered a mortgage denial, which has caused severe harm to my personal and financial wellbeing. Your negligence has compounded this trauma, and I hold your agency accountable for the damage. 

VIOLATIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) : You have violated multiple provisions of the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) You failed to conduct a reasonable investigation of the disputed item within 30 days.

15 U.S.C. 1681i ( a ) ( 2 ) ( A ) You failed to notify me of the results of your investigation, as required by law.

15 U.S.C. 1681i ( a ) ( 4 ) You did not delete or correct information found to be inaccurate or unverifiable.

15 U.S.C. 1681i ( b ) You failed to notify furnishers of disputed information and correct inaccurate data.

Each of these failures reflects a willful disregard of your duties under federal law and constitutes grounds for formal complaints and potential legal action.

VIOLATIONS OF METRO 2 / CDIA COMPLIANCE STANDARDS : Your reporting further violates Metro 2 dispute coding guidelines, which exist to ensure uniform and fair credit reporting. Specifically : Code E1 ( Billing Error ) : Late payments were due to billing system issues and should have been flagged accordingly.

Code S1 ( Not a Late Payment ) : No actual delinquency occurred due to verified internal processing delays.

Code P1 ( Payment Not Reported Correctly ) : The payment history reported does not reflect actual activity and should have been coded for immediate correction.

Failure to use the correct Metro 2 dispute codes is a breach of industry-standard compliance and undermines the integrity of the consumer credit system.

DISPUTED ACCOUNT DETAILS : Creditor : SYNCB/HMDS Account # ( Last Four ) : 6019 Bureaus Reporting : TransUnion, Experian, Equifax Account Status : Closed, Charged Off Balance : {$4200.00} Credit Limit : {$6400.00} Payment History Issues : Experian : Inaccurate XXXX late entries ( 2024 ) Equifax : Charge-off status persists despite activity and billing correction ; duplicate CO reporting for over 12 months TransUnion : No proper dispute flag or correction date reflected These late entries and charge-offs are not only factually inaccurate but were never the result of actual missed payments on my part. Rather, they stem from a documented billing error that your agency has failed to acknowledge or correct.

DEMAND FOR IMMEDIATE ACTION : Conduct a Full Investigation under Metro 2 and FCRA within 15 calendar days of this notice.

Delete or Correct All Inaccurate Entries related to the above-referenced account.

Issue a Formal Response and provide an updated copy of my corrected credit report.

Ensure Full CDIA Compliance using the appropriate Metro 2 Dispute Codes ( E1, S1, P1 ).

Failure to take these actions will result in : Immediate filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state.

Engagement of legal counsel to pursue statutory and actual damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

This is your final opportunity to correct these violations before legal escalation begins. I expect prompt attention and full resolution. A copy of this letter and all supporting documentation has been retained for my records.

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