Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX RE : FORMAL DISPUTE OF INACCURATE CREDIT INFORMATION CONSUMER : XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX To Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute inaccurate and incomplete information contained in my consumer credit report maintained by your company.

After careful review of my credit report, I have identified the following accounts that contain errors and/or fail to comply with the Metro 2 Format requirements as mandated by the Consumer Data Industry Association ( CDIA ) and enforced under 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 

* * ACCOUNTS IN DISPUTE : * * XXXX. * * XXXX XXXX * * ( First Account ) Address : XXXX XXXX XXXX, XXXX XXXX, MN XXXX Status : Account charged off. {$400.00} written off. 
Comment : Purchased by another lender. 

This account is disputed pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The account fails to comply with Metro 2 requirements as it does not properly reflect the current account status after being purchased by another lender. According to Metro 2 guidelines, when an account is sold to another lender, the original creditor must report the account as " paid '' or " closed '' rather than " charged off. '' Additionally, there is no verification that proper validation of this debt was provided to me in accordance with 15 U.S.C. 1692g ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Second Account ) Account number : XXXX.... 
Recent balance : {$0.00} /paid as of XX/XX/XXXX Date opened : XX/XX/XXXX Status : Open/Never late. 

This account is disputed pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I was informed that this account was deleted, yet it continues to appear on my credit report. This contradiction violates Metro 2 Format requirements for accurate status reporting. Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX.... 
Status : Account charged off. {$73.00} written off. {$30.00} past due as of XX/XX/XXXX. 

This account is disputed pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The reporting of this account fails to meet Metro 2 Format requirements as it contains contradictory information. An account can not simultaneously be " charged off '' and report an amount as " past due. '' According to Metro 2 guidelines, once an account is charged off, there should be no reported past due amount as the entire balance is considered uncollectible. This reporting error violates 15 U.S.C. 1681e ( b ). 

XXXX. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX.... 
Status : Paid, Closed.

Comment : Account paid from collateral.

This account is disputed under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The reporting lacks required information under Metro 2 Format, as it fails to specify the closure date and final payment date. This incomplete reporting violates 15 U.S.C. 1681e ( b ). 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  * * Account number : XXXX.. 
Status : Paid, Closed. 

This account is disputed under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The reporting lacks required information under Metro 2 Format, as it fails to specify the closure date, final payment date, and current balance information. This incomplete reporting violates 15 U.S.C. 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Recent balance : {$1000.00} as of XX/XX/XXXX Status : Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Original creditor : XXXX XXXX XXXX XXXX This account is already noted as " Account information disputed by consumer. '' Despite previous disputes, the information remains inaccurate and incomplete. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when the reinvestigation can not verify the accuracy of the information, it must be deleted from the file. This account fails to comply with Metro 2 requirements in several respects : - The account does not properly identify the date of first delinquency with the original creditor as required by Metro 2 Format.

- There is no evidence that proper debt validation was provided as required by 15 U.S.C. 1692g ( b ). 
- The debt appears to have been transferred or assigned without proper documentation or notification as required by law. 

XXXX. * * XXXX XXXX XXXX * * Account number : XXXX.... 
Recent balance : Not reported Date opened : XX/XX/XXXX Status : Paid, Closed/Never late. 

This account is disputed under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I was previously informed this account was deleted, yet it remains on my credit report. Furthermore, the reporting lacks required information under Metro 2 Format standards, as it fails to specify the closure date and final payment amount. This incomplete reporting violates 15 U.S.C. 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX.... 
Recent balance : {$0.00} /paid as of XX/XX/XXXX Date opened : XX/XX/XXXX Status : Open/Never late. 

This account is disputed under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I was informed this account was deleted, yet it continues to appear on my report. This contradicts Metro 2 Format requirements for accurate status reporting. Additionally, an account can not be simultaneously " paid '' and " open '' - this reporting contains contradictory information in violation of 15 U.S.C. 1681e ( b ). 

XXXX. * * XXXX XXXX * * Account number : XXXX.... 
Recent balance : Not reported Date opened : XX/XX/XXXX Status : Paid, Closed/Never late. 

This account is disputed under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The reporting lacks required information under Metro 2 Format, including the closure date, final payment date, and balance information. This incomplete reporting violates 15 U.S.C. 1681e ( b ). 

XXXX. * * XXXX XXXX * * Account number : XXXX.... 
Recent balance : {$1000.00} as of XX/XX/XXXX Date opened : XX/XX/XXXX Status : Open/Never late. 

This account is disputed under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I was informed this account was deleted, yet it continues to appear on my credit report. This contradicts Metro 2 Format requirements for accurate status reporting in violation of 15 U.S.C. 1681e ( b ). 

XXXX. * * XXXXXXXX XXXX XXXX XXXX  * Account number : XXXX.... 
Recent balance : {$260.00} as of XX/XX/XXXX Date opened : XX/XX/XXXX This account is disputed under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The reporting lacks complete information required under Metro 2 Format, including the full date opened ( missing year ), account status, and payment history. This incomplete reporting violates 15 U.S.C. 1681e ( b ).

* * LEGAL BASIS FOR DISPUTE : * * Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The Metro 2 Format created by the Consumer Data Industry Association ( CDIA ) establishes the industry standard for credit reporting accuracy, and failure to adhere to these standards constitutes a violation of the FCRA.

Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires that when a consumer disputes the completeness or accuracy of any item of information, the consumer reporting agency shall " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. '' In accordance with 15 U.S.C. 1681s-2 ( a ) ( 8 ), furnishers of information to consumer reporting agencies must provide proper notice before submitting negative information. I have no record of receiving such notices for these accounts.

* * REQUEST FOR RELIEF : * * Pursuant to 15 U.S.C. 1681i, I hereby request that you : 1. Conduct a reasonable reinvestigation of the disputed items.

2. Forward all relevant information concerning my dispute to the furnishers of the information.

3. Remove all inaccurate, incomplete, or unverifiable information from my credit report.

4. Provide me with the results of your reinvestigation and a free copy of my updated credit report.

5. Notify all persons who have received my credit report containing the disputed information within the past six months.

* * DEMAND FOR DAMAGES : * * I am entitled to damages under 15 U.S.C. 1681n for willful noncompliance and 15 U.S.C. 1681o for negligent noncompliance with the FCRA. Multiple accounts were previously disputed and I was informed they were deleted, yet they continue to appear on my credit report. This demonstrates a failure to follow reasonable procedures to assure maximum possible accuracy of the information as required by law.

I hereby demand compensation in the amount of {$1000.00} per account for damages suffered as a result of these continued violations. This includes accounts that were reported as deleted but continue to appear on my credit report, as well as accounts with pending status incorrectly showing as collections.

This dispute is submitted in accordance with my rights as a consumer under the FCRA. I expect a response to this dispute within 30 days of receipt, as required by law.

Please note that this letter is not a refusal to pay, but a formal notice of dispute regarding the accuracy and completeness of the information reported. I reserve all rights under federal and state law. 

Sincerely, XXXX XXXX Enclosures : - Copy of my credit report with disputed items highlighted - Copy of my identification ( driver 's license or state ID ) - Proof of address Phone Bill & CFPB Envelope cc : Consumer Financial Protection Bureau Louisiana Attorney General 's Office

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