Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
UNDER SECTION 15 U.S. Code 1681i - Procedure in case of disputed accuracy, IVE ATTACHED MY CREDIT REPORT TO THIS DISPUTE ALL HIGHLIGHTED INFORMATION IS INACCURATE PLEASE REPORT ACCURATE INFORMATION OR JUST REMOVE THE ACCOUNT INFORMATION UNDER THIS SECTION OF THE FCRA.

Key Points It seems likely that the credit report has potential FCRA and Metro 2 compliance violations, particularly with incomplete and inconsistent reporting.

Research suggests Experian 's lack of data and discrepancies between bureaus may indicate issues with accuracy and completeness.

The evidence leans toward outdated information and missing consumer statements as possible violations, but further investigation is needed. 
Direct Answer Overview After reviewing your credit report dated XX/XX/XXXX, from TransUnion, Experian, and Equifax, there are signs that it may contain violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. These issues could affect the accuracy and fairness of your credit information, which is crucial for financial decisions like loans or housing. 

Potential FCRA Violations Incomplete Reporting : Experian reported no information, which might violate FCRA 's requirement for complete and accurate credit reports ( Federal Trade Commission - Fair Credit Reporting Act ). 
Inconsistencies : Differences in account numbers and balances between TransUnion and Equifax suggest possible inaccuracies, another FCRA concern. 
Outdated Information : Some details, like employer updates from XXXX, seem outdated, which could breach FCRA 's need for up-to-date data. 
Missing Statements : The absence of consumer statements might be an issue if you tried to add one, as FCRA allows this right. 
Potential Metro 2 Compliance Issues Metro 2 is the standard format for credit reporting, ensuring consistency and accuracy. Potential issues include : Experian 's missing data could mean data furnishers didn't follow Metro 2 standards. 
Inconsistencies between bureaus might show non-standard reporting. 
Outdated info and possible errors in reporting charge-offs or collections could also be violations. 
Next Steps Given these findings, I recommend disputing any inaccuracies with the credit bureaus and reviewing with a legal advisor to ensure compliance. This can help protect your credit health and financial opportunities. 

Detailed Analysis Report This report provides a comprehensive analysis of the credit report for XXXX XXXX, dated XX/XX/XXXX, focusing on potential violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. The analysis is based on the provided credit report summary and relevant legal and industry standards, aiming to identify issues that could impact the consumer 's credit health and financial decisions. 

Background and Context The credit report, generated by XXXX XXXX XXXX : XXXX, includes credit information from TransUnion, Experian, and Equifax, along with XXXX  Score XXXX credit scores ( XXXX from TransUnion, not calculable from Experian, and XXXX from Equifax ). The report date is XX/XX/XXXX, for TransUnion and Equifax, but Experian reported no data, which is a significant anomaly. Personal information includes the consumer 's name, date of birth ( XXXX ), current address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX, previous addresses, and employer details ( XXXX XXXX, last updated in XXXX ). 

FCRA Compliance Analysis The FCRA, enacted in XXXX and governed by the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ), ensures the accuracy, fairness, and privacy of consumer credit information ( Federal Trade Commission - Fair Credit Reporting Act ). Common violations include inaccurate reporting, failure to investigate disputes, and unauthorized disclosure. The following issues were identified : Incomplete Reporting by Experian : Experian reported " NONE REPORTED '' across all sections, including accounts, payment history, inquiries, and public records. This is highly unusual and could violate FCRA Section 1681e, which mandates that CRAs follow reasonable procedures to assure maximum possible accuracy and completeness ( XXXX - The Seven Most Common Fair Credit Reporting Act Violations ). If Experian failed to collect or report data, this could also breach FCRA standards for ensuring comprehensive reporting. 
Inconsistencies Between Bureaus : TransUnion reported 10 total accounts ( 5 open, 5 closed ) with a total balance of {$22000.00} and monthly payments of {$410.00}, while Equifax reported 11 total accounts ( 6 open, 5 closed ) with a total balance of {$29000.00} and monthly payments of {$590.00}. These discrepancies could indicate inaccurate reporting, violating FCRA 's requirement for accuracy and consistency ( Consumer Law Firm - Fair Credit Reporting Act Violations and Your Credit ). 
Outdated Information : The employer information was last updated in XXXX, which may be considered outdated. FCRA requires that credit reports contain only accurate, complete, and up-to-date information ( 15 U.S.C. 1681e ). If this information has not been updated as required, it could be a violation, especially given the report 's date of XX/XX/XXXX ( InCharge - Fair Credit Reporting Act of XXXX : Common Violations and Your Rights ). 
Absence of Consumer Statements : All bureaus reported " NONE REPORTED '' for consumer statements. If the consumer had previously requested to add a statement ( e.g., to explain a dispute or provide context for negative items ), and it was not included, this could violate FCRA Section 1681i, which grants consumers the right to include statements in their credit reports ( Securiti - 5 Most Common FCRA Violations & Penalties ). 
Metro 2 Compliance Analysis Metro 2 refers to the Metro 2 Format, developed by the Consumer Data Industry Association ( CDIA ), which is the standard for electronic data reporting in the credit industry ( XXXX XXXX XXXX XXXX Metro 2 Compliance : Everything You Need To Know ). It ensures accuracy, completeness, and timeliness, aligning with FCRA, FCBA, and ECOA requirements. Potential Metro 2 compliance violations include : Incomplete Data Submission : Experian 's lack of reported data could indicate a failure by data furnishers to submit complete information in the required Metro 2 format. Metro 2 requires standardized reporting of all relevant account details, and the absence of any data from Experian suggests a breakdown in this process ( CDIA - Metro 2 ).

Inconsistent Reporting : The discrepancies between TransUnion and Equifax ( e.g., different account counts and balances ) may indicate that data furnishers are not using consistent Metro 2 codes or formats. Metro 2 mandates standardized reporting to ensure uniformity across credit bureaus, and these inconsistencies could suggest non-compliance ( XXXX XXXX XXXX XXXX Metro 2 Compliance ). 
Outdated Information : Metro 2 requires regular updates to consumer credit information. The presence of outdated details, such as the XXXX employer update, could indicate that data furnishers are not adhering to Metro 2 's requirement for timely and accurate reporting ( XXXX - XXXX  Metro2 : The Ultimate Guide to Credit Reporting Standards ). 
Charge-Off and Collection Reporting : The credit report includes multiple charge-off and collection accounts, such as XXXX XXXX ( mortgage, closed with XXXX balance ), XXXX, XXXX XXXX ( charge-offs ), and various collection accounts with past due amounts ( e.g., {$490.00}, {$2000.00}, {$3200.00} ). Metro 2 has specific requirements for reporting these, including the use of precise codes ( e.g., " XXXX '' for Responsible Party Charge-Off ) and accurate timelines. While the summary does not provide enough detail to confirm specific errors, any inconsistencies or missing codes in these sections could indicate Metro 2 non-compliance ( XXXX XXXX - Metro 2 Codes Credit Reporting Attorneys ). 
Detailed Account Summary To provide a structured overview, the following table summarizes key account details from the credit report, highlighting potential areas of concern : Bureau Total Accounts Open Accounts Closed Accounts Total Balance Monthly Payments Derogatory Accounts Notes TransUnion XXXX XXXX XXXX {$22000.00} {$410.00} XXXX Includes charge-offs ( XXXX, XXXX XXXX ), collections reported. 
Equifax XXXX XXXX XXXX {$29000.00} {$590.00} XXXX Similar to TransUnion, but higher balance and account count. 
Experian XXXX XXXX XXXX {$0.00} {$0.00} XXXX No data reported, significant concern for completeness. 
Public Records and Inquiries No public records ( e.g., bankruptcies, liens ) were reported, which is noted but should be verified for accuracy. The absence could be a concern if relevant records exist, potentially violating FCRA accuracy requirements. 
Inquiries over the last 2 years were minimal ( XXXX for TransUnion, XXXX for Experian and Equifax ), which is consistent but should be checked for unauthorized access, another potential FCRA violation. 
Consumer Impact and Recommendations These potential violations could lead to lower credit scores, loan denials, higher interest rates, or lost job opportunities, as credit reports are critical for financial decisions ( InCharge - Fair Credit Reporting Act of XXXX : Common Violations and Your Rights ). To address these issues : Dispute Process : The consumer should file disputes with the CRAs ( TransUnion, Experian, Equifax ) for any inaccuracies, particularly Experian 's lack of data and inconsistencies between bureaus, as allowed under FCRA Section 1681i. 
Legal Review : Consult a legal advisor or credit repair specialist to investigate further and pursue remedies, including potential lawsuits for damages if violations are confirmed ( XXXX XXXX - XXXX common FCRA violations and how to remedy them ). 
Data Furnisher Notification : Notify creditors and data furnishers to verify and correct any outdated or inconsistent information, ensuring Metro 2 compliance. 
Conclusion The credit report for XXXX XXXX shows significant data gaps, particularly with Experian, and inconsistencies between TransUnion and Equifax, suggesting potential FCRA and Metro 2 compliance violations. These issues warrant further investigation to ensure the consumer 's credit report is accurate, fair, and compliant with legal standards. The consumer should take proactive steps to dispute inaccuracies and seek professional guidance to protect their financial health.

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