Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
Metro 2/e-OSCAR Compliance, FCRA, FDCPA, CFPB, FTC, and Texas Law Violations I. Metro 2 & e-OSCAR Compliance Failures Violation : Noncompliance with Metro 2 Credit Reporting Resource Guide and e-OSCAR dispute procedures. 

Who : TransUnion ( CRA ) XXXX XXXX XXXX ( Furnisher ) XXXX XXXX XXXX XXXX ( Debt Collector ) What/How : Inaccurate Reporting ( XXXX XXXX XXXX ) : XXXX reported XXXX fraudulent {$4300.00} balance ( XX/XX/XXXX ) post-settlement, violating Metro 2s Account Status coding requirements.

TransUnion failed to flag the Profit and loss write-off remark as inconsistent with prior Paid profit and loss status. 
Defective Dispute Resolution ( e-OSCAR XXXX ) : TransUnion/Experian ignored procedural checklists for verifying BMWs reactivated debt during reinvestigation. 
No documentation of ACDV ( Automated Consumer Dispute Verification ) process provided.

Legal Basis : 12 CFR 1022.42 ( CFPB Furnisher Rule ) : Requires furnishers to report complete/accurate data.

CFPB Bulletin 2012-09 : Mandates CRAs to follow e-OSCAR protocols for dispute resolution.

II. FCRA Violations ( 15 U.S.C. 1681 ) Who : TransUnion, Experian, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX When/Where Why/How Failure to Ensure Accuracy XXXX ( b ) XX/XX/XXXX ( TransUnion report ) XXXX reported a settled debt as XXXX XXXX XXXX auction records. 
Defective Reinvestigation 1681i ( a ) ; XXXX XXXX Trans Union XX/XX/XXXX disputes TransUnion parroted BMWs unverified write-off remark instead of auditing settlement docs. 
XXXX XXXX XXXX ( b ) March 2024July 2025 XXXX ignored XXXX obligation to update charged-off status. 
XXXX. FDCPA & CFPB Regulation F Violations ( 15 U.S.C. 1692 ; 12 CFR Part 1006 ) Who : XXXX XXXX XXXX XXXX XXXX XXXX When/Where Why/How Unlicensed Collection Texas Fin. Code XXXX XXXX XXXX ( Texas ) Operated without {$10000.00} surety bond ( XXXX records confirm no filing ). 
XXXX XXXX XXXX FDCPA 1692e ( 5 ) XX/XX/XXXX ( TransUnion ) Pulled credit reports without permissible purpose during unlicensed operations. 
Refusal to Validate Debt 12 CFR 1006.34 ( c ) XX/XX/XXXX demand letter Ignored written request for debt validation under CFPB Regulation F.

IV. FTC & Texas DTPA Violations Who : All Defendants Violation Law/Precedent When/Where Why/How Deceptive Trade Practices Texas XXXX XXXX XXXX XXXX XXXX  XXXX reactivated debt misled credit bureaus, causing unjustified score drop. 
Unfair XXXX Tactics FTC XXXX XXXX XX/XX/XXXX balance increase XXXX colluded XXXX fabricate debt, harming creditworthiness. 
V. Discovery Requests XXXX XXXX XXXX Documentation : All ACDV forms related to account # [ REDACTED ] disputes ( XXXX ). 
XXXX XXXX XXXX coding manual and audit logs for XXXX. 
XXXX FCRA XXXX : XXXX reinvestigation checklist for XX/XX/XXXX disputes. 
XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). 
XXXX XXXX : XXXX Texas surety XXXX application/rejections ( XXXX ). 
Call logs/scripts from WWRs XX/XX/XXXX collection attempts. 
XXXX Texas XXXX : XXXX correspondence regarding WWRs bond status. 
Emails between XXXX and TransUnion about the XX/XX/XXXX balance reactivation. 
VI. XXXX XXXX XXXX XXXX Trans Union ( XXXX ) : CRAs must conduct independent verification, not rubber-stamp furnisher responses. 
XXXX XXXX Trans Union ( XXXX ) : Pattern of negligent reinvestigations violates XXXX ( a ). 
XXXX v. XXXX XXXX ( XXXX ) : Debt XXXX liable for procedural defects in disputes. 
XXXX. Remedies XXXX XXXX XXXX : Permanent deletion of fraudulent tradelines. 
Court-supervised CRA/furnisher compliance XXXX. 
Damages : XXXX : {$5000.00} per FDCPA/FCRA violation. 
Texas XXXX : Treble damages for WWRs unlicensed operations. 
Next Steps : File Motion to Compel Discovery for Metro 2/e-OSCAR records. 
Submit CFPB Complaint Addendum highlighting Regulation F violations. 
Attach : TransUnion report ( XX/XX/XXXX ) showing {$4300.00} reactivation.

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