Consumer complaint received 2025-04-12 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX Experian Attn : Executive Customer Relations XXXX XXXX XXXX XXXX XXXX, CA XXXX **RE : Formal Dispute per FCRA Section 611 ( a ) - Metro2 Non-Compliance** **Consumer Name : ** XXXX XXXXr **Date of Birth : ** XX/XX/XXXX **SSN : ** XXXX **Special Comment Code : ** XXXX  ( Consumer Disputes Account Information ) To Whom It May Concern : This communication serves as my formal dispute under FCRA Section 611 ( a ) ( 2 ) regarding multiple accounts on my Experian credit report that fail to comply with Metro2 reporting standards as outlined in the XXXX 's Credit Reporting Resource Guide ( XXXX ). 

I am aware of the Consumer Financial Protection Bureau 's lawsuit against Experian ( Case Number : XXXX ) alleging systematic failures in Metro2 compliance verification during the dispute resolution process.

The following accounts contain Metro2 Format violations per the XXXX and FCRA Section 623 ( b ) : **1. XXXX - Account Condition Code : Currently showing Collection ( Code 97 ) - Portfolio Type : 31 - Balance : {$1000.00} as of XX/XX/XXXX - XXXX Code issue : Account incorrectly lacks Consumer Dispute Indicator ( XXXX  ) - Compliance Failure : Despite " Under dispute '' marking, no Compliance Condition Code XC has been applied - Metro2 Correction Required : Apply XH ( Disputed Information ) indicator and correct Account Status code **2. XXXX - Account Status : Under dispute - Metro2 Compliance Issue : No Specialized Payment Indicator ( SPI ) code or Account Status ( 05 ) reflecting dispute - Required Action : Apply appropriate XXXX XXXX dispute indicators **3. Account with Negative Payment History** - Payment History Profile : Containing delinquencies for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Metro2 Compliance Issue : Inaccurate Payment History Profile codes- Required Correction : Apply appropriate payment codes as per XXXX XXXX. Duplicate XXXX XXXXXXXX Accounts ( XXXX ) ** - Metro2 Violation : XXXX Section 6.8 prohibits duplicate account reporting - Account Corrections Required : Remove duplicate tradeline and retain single accurate account with proper Date Opened field Per FCRA Section 611 ( a ) and the E-OSCARXXXX requirements outlined in the XXXX, I formally request : 1. Full Metro2 compliance review including verification of all Base Segment fields and applicable Appendage Segments 2. Proper transmission of all dispute codes ( XXXX XXXX ) to data furnishers via XXXX 3. Verification of FCRA-compliant reinvestigation including all relevant Account Status Codes 4. Removal of all accounts that can not be verified in compliance with Metro2 Format requirements 5. Written confirmation that all disputed accounts have been properly coded with applicable XXXX XXXX XXXX XXXX  indicators 6. Notification of all corrections to data furnishers, including proper Metro2 compliance requirements This dispute requires your verification that all data furnishers are properly certified in Metro2 Format reporting per CDIA requirements and that all Account Status, Portfolio Type, and Consumer Information Indicator fields comply with current CRRG standards.

Under the FCRA, ECOA Regulation B, and CFPB guidelines, I expect a complete response within 30 days including verification that proper dispute codes have been applied to my consumer disclosure. 

Sincerely, XXXX XXXX Enclosures : - Copy of Experian credit report with Metro2 compliance issues highlighted - Supporting documentation for disputed items

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