Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Request for Removal of Late Payments Metro 2 Compliance Dear XXXX Credit Reporting Department , I am writing to formally request the removal of late payments reported on my [ Auto Loan Part Number : XXXX. ], which has been paid in full. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 reporting standards, and applicable case law that reinforces the importance of accurate and fair credit reporting. 

Upon reviewing my XXXX credit reports, I have identified late payments that may not be in compliance with Metro 2 reporting guidelines and FCRA standards . Therefore, I respectfully request a compliance verification review. If these late payments fail to meet the accurate, complete, and timely data reporting obligations as outlined by the XXXX and federal law, I request their immediate removal from all credit bureaus. 

Relevant Legal Precedents and Compliance Standards 1. Fair Credit Reporting Act ( FCRA ) Violations & Consequences FCRA 1681s-2 ( a ) Data furnishers must ensure maximum possible accuracy when reporting consumer information. 
FCRA 1681s-2 ( b ) Requires furnishers to conduct a reasonable investigation when a dispute is raised. Failure to correct inaccurate or unverifiable information constitutes noncompliance. 

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX & Metro 2 Standards The XXXX Metro 2 Format mandates that furnishers provide data that is accurate, complete, and timely. 
Noncompliance with Metro 2 standards could result in the misreporting of account status, which may violate FCRA guidelines on accuracy and fairness. 

Relevant Case Law Supporting My Request XXXX. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Establishes that credit reporting agencies and furnishers must conduct reasonable investigations when disputes arise. If Metro 2 compliance is not met, the account information should be removed or corrected. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reinforces that credit furnishers must provide accurate and complete data. Inaccurate or misleading reporting is a violation of FCRA obligations. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX, XXXX XXXX XXXX. XXXX  XXXX ( XXXX. XXXX. XXXX ) Found that credit reporting agencies must correct or remove incorrect negative marks when they do not adhere to FCRA standards of accuracy. 
XXXX. XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) Demonstrates that failure to update and maintain accurate consumer reports can lead to damages and legal liability for the furnisher. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Confirms that consumers have the right to challenge the accuracy of reported information, and furnishers must correct errors or risk legal consequences. 


I appreciate your prompt attention to this matter. Please direct all correspondence to my mailing address provided above. If further documentation is needed, feel free to reach out. 

Sincerely, 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