Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Re : Formal Dispute of Inaccurate Reporting DiscoverCard Account # XXXX XXXX XXXX XXXX XXXX XXXX ISSUE I am formally disputing the late payments and inaccurate information being reported on my credit file regarding the above-referenced account. This account, which is listed as Paid and Closed, is reflecting late payments ( 30, 60, 90, and 120 days past due ) on TransUnion and possibly other bureaus. 
This reporting is inaccurate, incomplete, and misleading because : 1. The account shows inconsistent balances ( {$1000.00} vs. {$900.00} ) and credit limits ( {$900.00} vs. {$0.00} ). 
2. The account status is marked Closed/Paid, yet late payment notations remain, which is inconsistent with the actual closure and payment status.

3. The Creditor Remarks fields differ between bureaus ( canceled by grantor, closed due to inactivity, and zero balance ), showing a lack of standardized reporting. 
4. Date of last activity and reporting dates are inconsistent ( XX/XX/XXXX vs. XX/XX/XXXX ). 
These discrepancies violate Metro 2 reporting standards and FCRA 1681s-2 ( a ) ( 1 ) ( A ) which prohibits furnishing inaccurate information.

LAW 1. Fair Credit Reporting Act ( FCRA ) Requires furnishers to report accurate and complete information ( 1681e ( b ), 1681i, 1681s-2 ).

2. Truth in Lending Act ( TILA ) Mandates accurate disclosures regarding balances and credit limits. 
3. Payee Account Number Accuracy Law ( PAANL ) Requires proper reporting of account numbers and balances to avoid consumer confusion.

4. UDAAP ( Unfair, Deceptive, or Abusive Acts and Practices ) Prohibits deceptive reporting that misleads creditors about my creditworthiness. 
Because of the conflicting data, the bureaus and furnishers are in violation of the above statutes and Metro 2 Guidelines ( Field Compliance Codes 162, 186, 187, and 188 ). 

HARM The inaccurate reporting of late payments and inconsistent account data is directly harming my creditworthiness by artificially suppressing my credit score. This false negative information may cause me to be denied credit opportunities, pay higher interest rates, or face adverse action from potential lenders. 

DEMAND Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I demand that you : 1. Conduct a reasonable investigation into the accuracy of this account. 
2. Remove all late payment notations and inaccurate data points ( balances, dates, credit limits ) immediately.

3. Provide me with an updated copy of my credit report showing the deletion or correction. 
If you can not verify the information using original creditor records that meet Metro 2 and FCRA standards, you must delete the account from my credit file.

Failure to comply will leave me no choice but to escalate this matter by filing complaints with the CFPB, FTC, and my state Attorney General for violations of FCRA, TILA, PAANL, and UDAAP. 

Sincerely, 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