Consumer complaint received 2025-07-08 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: WA

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 Compliance Standards. I respectfully request immediate regulatory intervention and enforcement for the permanent deletion of the following accounts : XXXX XXXX Account ( # XXXX ) XXXX Credit Card Account ( # XXXX ) Background and Nature of Dispute : I previously submitted disputes regarding the above accounts due to multiple material inaccuracies, unverifiable data, and formatting errors that have severely impacted my credit standing. Despite providing evidence of these violations, Experian and XXXX have continued to furnish and report false and outdated information. 

The following statutory violations are present : LEGAL VIOLATIONS COMMITTED : 1. FCRA 1681e ( b ) Failure to report with maximum possible accuracy. 

The XXXX credit card account shows nine consecutive months ( from XX/XX/XXXX through XX/XX/XXXX ) of fabricated payment entries : {$0.00} paid on XX/XX/XXXX. This is factually impossible and highly misleading. 

2. FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

My dispute did not result in any correction or deletion, even though the errors are blatant and verifiable.

3. FCRA 1681i ( a ) ( 5 ) ( A ) Duty to delete unverifiable or inaccurate items.

Experian and WSECU failed to remove the accounts despite not producing valid verification within the 30-day period. 

4. FCRA 1681s-2 ( b ) ( 1 ) ( BD ) Furnishers must investigate and correct errors after notice. 

XXXX has not updated or corrected the invalid payment dates or stale status information. 

XXXX. FCRA 1681c ( a ) Reporting of obsolete information. 

The Status Updated fields for both accounts show XX/XX/XXXX and XX/XX/XXXX, yet the accounts continue to report active charge-off status into XX/XX/XXXX. This is misleading and harmful. 

6. FCRA 1681c-2 ( a ) Failure to mark disputed accounts.

Neither account is marked as in dispute in violation of mandatory consumer notification requirements.

7. FDCPA 807 ( 15 U.S.C. 1692e ) False or misleading representations.

The use of repeated and fabricated payment dates, along with Invalid date entries in the comment section, constitutes willful misrepresentation. 

8. FDCPA 809 ( 15 U.S.C. 1692g ) Failure to validate debt. 

No supporting documentation has been provided by XXXX showing legal validation of the debt, charge-off justification, or breakdown of amounts. 

XXXX. Metro 2 Compliance Guidelines Violation WSECU is reporting data that violates Metro 2 standardized formats : Use of invalid field codes ( e.g., Invalid date ) Duplicate payment dates Inaccurate status update fields REQUESTED RESOLUTION : I respectfully request the following outcomes from this complaint : 1. Immediate and permanent deletion of both XXXX accounts from my credit file at Experian, with confirmation of deletion at XXXXXXXX  and XXXX 
XXXX. A full review of XXXX XXXXurnishing practices for failure to comply with FCRA and Metro 2 standards. 
XXXX. A full explanation and documentation from Experian showing how these accounts were verified, despite repeated false payment reporting and invalid formatting. 
4. Regulatory penalties, enforcement, or corrective action for willful and negligent noncompliance. 



Legal Enforcement : If this complaint is not resolved in full compliance with 12 CFR 1022 ( Regulation V ) and the governing provisions of the FCRA and FDCPA, I am prepared to pursue civil legal remedies under : FCRA 1681n Willful noncompliance ( statutory damages + punitive damages ) FCRA 1681o Negligent noncompliance ( actual damages + legal costs ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX 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