Consumer complaint received 2025-07-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal FCRA & Metro 2 Compliance Dispute Immediate Removal Requested Re : XXXX Account No. XXXX To Whom It May Concern, I am formally disputing the reporting of the XXXX  account appearing on my Experian credit file under account number XXXX. After conducting a compliance review of the information being furnished and reported, I have identified multiple clear violations of both the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines. 
This dispute is made pursuant to my rights under 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681e ( b ). Below are the specific violations : Violations of the FCRA and Metro 2 Guidelines : Unlawful Reporting of a Balance After Charge-Off The account is marked charged off as of XX/XX/XXXX, yet a current balance and past due amount of $ XXXX to be reported. 
Metro 2 Reporting Guidelines prohibit a balance from being reported once an account is charged off this should be reflected as a {$0.00} balance with a charge-off amount in a separate field. 
Repeated Monthly Reporting of Charge-Off Status The account reflects a " CO '' ( charge-off ) status every month from XX/XX/XXXX to XX/XX/XXXX. 
According to Metro 2, a charge-off is a one-time accounting event, and repeatedly reporting it monthly is misleading and artificially inflates derogatory activity in violation of 15 U.S.C. 1681e ( b ). 
Simultaneous Reporting of Delinquency and Charge-Off The account reflects both delinquency ( 30/60/90/120/150 days late ) and charge-off statuses across multiple months. 
This is a form of double jeopardy reporting it creates a false impression of ongoing delinquency after charge-off, violating both Metro 2 rules and the FCRA. 
Improper Highest Balance Reporting A secured card with a limit of {$200.00} is reported with a highest balance of {$220.00}, which exceeds the limit without explanation. 
This may be inaccurate or inflated, affecting my credit utilization metrics, and should be verified or removed under FCRA 1681e ( b ). 
Failure to Correct Inaccurate Data Following Dispute This account was previously disputed, and although the record reflects that consumer disagrees, no corrections have been made despite the continued presence of known inaccuracies. 
Under FCRA 1681i ( a ) ( 5 ) ( A ), if an item can not be verified as accurate, it must be deleted, not merely retained with a note of disagreement. 

LEGAL REMEDY DEMAND I am demanding that Experian IMMEDIATELY : Delete this XXXX  tradeline in its entirety from my credit report. 
Should you fail to conduct a lawful and reasonable reinvestigation within 30 days of receipt of this letter, or continue to knowingly report data that is inaccurate, unverifiable, or misleading, I am prepared to escalate this matter via : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A written grievance to the Federal Trade Commission ( FTC ) Pursuing legal remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance This letter serves as formal notice and documentation of dispute. I request a full copy of your reinvestigation results and any documentation used to verify the accuracy of this tradeline. 
Sincerely, XXXX XXXX

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