Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
# # # **Step 1 : Identify Key Metro 2 Violations** # # # # **From the Files : ** 1. **Incorrect Payment Status Codes** - **Example** : - **XXXX XXXX**, *XXXX*, and XXXX XXXX accounts show " Currently late '' or XXXX In Collections/Charge-off '' but also list conflicting remarks like " Dispute resolved reported by grantor '' ( XXXX ). 
- **Metro 2 Violation** : Accounts marked " closed '' ( XX/XX/XXXX ) should not show late payments in XXXX. 

2. **Inaccurate Date of First Delinquency ( DFD ) ** - **Example** : - " Last payment : XX/XX/XXXX '' ( XXXX ) but account status is " Closed '' in XXXX. 
- **Metro XXXX Violation** : XXXX must align with the first delinquency leading to closure. 

3. **Duplicate/Mismatched DataXXXX - XXXX : - XXXX XXXX appears as " Currently on-time '' despite XXXX missed payments ( XXXX ). 
- **COASTCOMBNK** balance increases marked as " on-time '' but no payment history ( XXXX ). 

XXXX. **Incorrect " Worst Payment Status '' ** - **Example** : - " Worst payment status : XXXX days late '' but no corresponding XXXX delinquency in the payment grid ( XXXX ). 

-- - # # # **Step XXXX : Draft Dispute Letters Using XXXX XXXX Language** Use **specific Metro XXXX codes** XXXX demand corrections. For example : # # # # **Template for XXXX BANK ( Charge-off/Collections ) ** XXXX " Per Metro XXXX guidelines : XXXX - XXXX Status Code** inaccurately reports a charge-off ( Code XXXX ) despite a resolved dispute. 
XXXX - XXXX of XXXX XXXX ( XXXX ) ** is misreported ; the account closed in XXXX, but payments continued into XXXX. 
XXXX - XXXX XXXX in XXXX ( marks ) conflicts with the closed status. 
XXXX This violates FCRA XXXX and XXXX XXXX accuracy requirements. Please correct or delete this account. '' # # # # **Template for XXXX XXXX ( Conflicting Status ) ** XXXX " The **Current Payment Status ( Field XXXX ) ** incorrectly lists XXXX XXXX XXXX XXXX despite XXXX missed payments. 
XXXX This violates XXXX XXXX **Payment Rating Code** standards ( e.g., XXXX XXXX for XXXX late ). Correct the status to reflect actual delinquency or remove the account. '' -- - # # # **Step XXXX : Submit via eOSCAR System** XXXX. **File Disputes Online** : - Use the **credit bureaus eOSCAR portals** ( XXXX, TransUnion, XXXX ) XXXX submit disputes. 
- Attach screenshots of discrepancies ( e.g., XXXX showing mismatched dates ). 

XXXX. XXXX XXXX XXXX Violations** : - Reference XXXX XXXX XXXX ( e.g., **Field XXXX : Payment Status**, **Field XXXX : DFD** ). 
- Example : XXXX " Field XXXX inaccurately reports on-time for XXXX XXXX XXXX Account # XXX ), violating Metro 2s Payment Rating Code standards. '' 3. **Demand MOV ( Method of Verification ) ** : - If the bureau denies your dispute, request proof they validated the data with the furnisher per Metro 2 5. 

-- - # # # *XXXX XXXX : Escalate to Data XXXX XXXX creditors directly ( e.g., XXXX XXXX XXXX XXXX XXXX and demand they update their reporting to comply with Metro 2 . Example : XXXX " Per Metro XXXX XXXX, you are required to report accurate Payment History and Status Codes. The account # XXX shows a charge-off but lacks a valid DFD. Correct this within 30 days or face FCRA liability. '' -- - # # # **Step XXXX : Highlight Systemic Errors** - **Duplicate Remarks** : " Dispute resolved reported by grantor '' repeated twice ( XXXX ) violates Metro 2 11.3 ( unique remarks only ).

- **Balance Increases Without Activity** : XXXX  balances increased ( XXXX ) but no missed payments reporteddemand proof of validity. 

-- - # # # **Step 6 : File CFPB Complaints** If unresolved, submit complaints to the [ CFPB ] ( https : //www.consumerfinance.gov/complaint/ ) with : - Screenshots of Metro 2 violations. 
- Proof of disputes filed via eOSCAR. 

-- - # # # **Expected Outcomes** XXXX. **Deletion of Inaccurate Accounts** : Charge-offs/collections with invalid DFDs or status codes. 
2. **Correction of Payment History** : Late payments adjusted to match actual dates. 
3. **Score Recovery** : Removal of errors may restore XXXX points ( as seen in XXXX ). 

By leveraging Metro 2s strict data formatting rules, you force bureaus and furnishers to either correct errors or delete unverifiable items. Keep records of all submissions!

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