Consumer complaint received 2025-05-01 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: MA

Complaint narrative:
I am filing a formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. I have disputed the following three accounts multiple times, yet Experian continues to report inaccurate and unverifiable data without providing the required Method of Verification ( MOV ), violating FCRA Section 611 ( a ) ( 7 ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 611 ( a ) ( 1 ), Experian is obligated to conduct a reasonable reinvestigation of any disputed information. Despite this, they continue to return vague responses such as verified as accurate or certified by the furnisher, with no documentation or explanation. This is not a reasonable investigation, nor does it meet the standard of transparency mandated by federal law.

I specifically pointed out to Experian that there are multiple discrepancies in the reporting of these accounts across the three credit bureaus ( Experian, XXXX, and XXXX  ), and yet they still failed to investigate or correct the errors. Here are just a few examples : XXXXXXXX XXXX XXXX Experian reports account as Closed XXXX  reports the same account as Open XXXX also reports the account as Closed Violation : Metro 2 requires uniform reporting across bureaus ; FCRA 602 ( a ) demands maximum possible accuracy, which is clearly not being upheld. 



XXXXXXXX XXXX  Experian shows the high credit as {$0.00} Equifax lists the high credit as {$4800.00} Past due, balance, and status dates also conflict across bureaus Violation : This inconsistency is materially misleading and violates FCRAs accuracy standard and Metro 2 formatting for charge-off accounts. 



XXXXXXXX XXXX XXXXXXXX Experian XXXXeports unpaid balance of {$1200.00} Equifax and XXXX show differing credit limits, high balances, and late payment frequency Experian marks the account as Closed, while XXXX shows it as Open Violation : These discrepancies prove Experian failed to reasonably verify or correct materially inaccurate reporting.

Experians failure to resolve or address these discrepancieseven after I highlighted them directlyis a violation of both FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 7 ). Additionally, their refusal to provide the Method of Verification directly contradicts their legal responsibility under the FCRA. The inconsistent reporting also shows a lack of compliance with Metro 2 standards, which are the credit industrys accepted standard for accurate data formatting and consistency.

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