Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for systemic, repeated, and willful violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including a pattern of rejecting disputes through automated verification without conducting the reasonable reinvestigation required by law. 
I have disputed the inaccurate accounts listed below multiple times. In each instance, Experian either rejected the dispute or marked the information as verified without reviewing original source documents, account agreements, or the logical and legal validity of the data being reported. 
Experian is now on actual notice that these accounts contain material inaccuracies, internal contradictions, and Metro 2 reporting violations, yet continues to publish them, causing ongoing consumer harm. 
SPECIFIC ACCOUNTS & STATUTORY VIOLATIONS 1. XXXXXXXX XXXX XXXXXXXX Credit Card Reported as a charge-off, while simultaneously reporting ongoing monthly past due balances Reported balance ( {$760.00} ) exceeds the credit limit ( {$500.00} ) This reporting is factually and legally impossible under Metro 2 standards. A charge-off is a one-time accounting event, not a recurring delinquency. 
Violations : FCRA 623 ( a ) ( 1 ) ( A ) Reporting materially inaccurate information FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable information Metro 2 Incompatible data fields and illegal re-aging 2. XXXX XXXX Credit Card Charged off in XXXX, yet continues to be reported as charged off every month through XXXX No active contractual relationship exists to justify continuous delinquency reporting This constitutes re-aging and deceptive reporting, which materially misrepresents the status and severity of the account. 
Violations : FCRA 623 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 1 ) ( A ) Metro 2 Charge-off misreporting as an ongoing status 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Two Accounts ) Both accounts report balances exceeding their respective credit limits Both accounts report continuous monthly charge-offs for multiple years These are systemic Metro 2 violations, not clerical errors.

Violations : FCRA 623 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 5 ) Metro 2 Re-aging and incompatible reporting 4. XXXX XXXX XXXX XXXXXXXX Loan Original balance {$700.00}, reported balance {$930.00} after charge-off Account reports first payment never received while simultaneously reporting a full delinquency history These data points can not coexist and demonstrate a failure to validate the underlying obligation.

Violations : FCRA 623 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) ( 1 ) ( A ) Metro 2 Logical impossibility and inconsistent fields 5. XXXX XXXXXXXX XXXX XXXX Secured Credit Card Reports a 30-day late payment on a fully secured credit card This account is backed entirely by consumer-funded collateral Absent a documented collateral default, a delinquency on a secured account is legally impossible. Experian failed to evaluate the nature of the product before verifying the information. 
Violations : FCRA 623 ( a ) ( 1 ) ( A ) Materially inaccurate reporting FCRA 611 ( a ) ( 1 ) ( A ) Failure to investigate after dispute FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable data Metro 2 Incompatible account type and delinquency reporting PATTERN OF WILLFUL NONCOMPLIANCE Experians conduct demonstrates a pattern and practice of : Automated dispute rejection Reliance on furnisher system responses without analysis Failure to review account type, contractual terms, or logical consistency This conduct rises beyond negligence and constitutes willful noncompliance under : FCRA 616 ( 15 U.S.C. 1681n ) FCRA 617 ( 15 U.S.C. 1681o ) Experian has continued to publish this information after repeated disputes, thereby amplifying consumer harm and exposure to statutory damages. 
CONSUMER HARM As a direct result of Experians actions : My creditworthiness has been materially damaged I have suffered increased credit denials and higher borrowing costs Harm continues with each republication of inaccurate data REQUESTED CFPB ACTION I respectfully request that the CFPB : Require Experian to cease automated verification practices that violate the FCRA Require Experian to delete all unverifiable and inaccurately reported accounts listed above Require Experian to provide written proof of a lawful reinvestigation, including identification of documents reviewed

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