Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Experian for failing to comply with Metro 2 data reporting standards and the Fair Credit Reporting Act ( FCRA ). Despite previous assurances that inaccurate information would be removed, Experian has re-inserted erroneous accounts and has not properly investigated disputes or corrected unauthorized inquiries. This ongoing issue violates both the FCRA and Metro 2 standards governing the reporting of consumer information and handling of disputes.

Key Issues : Re-insertion of Erroneous Information ( Metro 2 Section 1.3.1 ) : On XX/XX/XXXX, Experian confirmed that an inaccurate account was deleted from my credit report following a dispute. However, this same erroneous account, along with a new collection, has been re-inserted without any new documentation or investigation to substantiate its accuracy. Metro 2 Section 1.3.1 prohibits the re-insertion of deleted information unless valid supporting documentation is provided by the furnisher, which Experian has not done. This is a clear violation of Metro 2 guidelines and the FCRA.

Failure to Fully Investigate Disputes ( Metro 2 Section 3.0.1 ) : I have filed disputes regarding several inaccurate entries, including unauthorized inquiries. Despite providing the necessary supporting documentation, Experian has failed to investigate these disputes in a timely and thorough manner as required by Metro 2 Section 3.0.1. Metro 2 mandates that all disputes be investigated and resolved with accurate information and proper validation, but Experian has not fulfilled this obligation.

Failure to Meet Timeliness Requirements ( Metro 2 Section 3.0.3 ) : Metro 2 Section 3.0.3 specifies that disputes must be resolved within 30 days. Experian has consistently failed to meet this deadline, prolonging the presence of inaccurate information on my credit report. This delay is in direct violation of Metro 2s timeliness requirements and the FCRA.

Failure to Ensure Accuracy of Reported Information ( Metro 2 Section 1.1.1 ) : According to Metro 2 Section 1.1.1, credit reporting agencies must report accurate and complete information. Experians failure to investigate disputes properly, re-insert deleted information, and leave erroneous entries unresolved violates this requirement and harms my credit standing. 

Request for Action : Immediate Deletion of Erroneous Information : I request that Experian immediately delete the re-inserted inaccurate account and collection from my credit report, as required by Metro 2 guidelines. 

XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ongoing Issues : I have been forced to file multiple formal complaints with the CFPB due to Experians failure to resolve these issues. Experians lack of compliance with Metro 2 guidelines and FCRA requirements has caused significant damage to my credit profile, and I respectfully ask that the CFPB intervene to ensure proper resolution.

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