Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This letter serves as a formal dispute for multiple inaccuracies and Metro 2 compliance violations on my credit report. The following accounts contain significant discrepancies that misrepresent my financial profile and violate Metro 2 standards. I am requesting an immediate investigation and correction. 
XXXX. Account : XXXX  XXXX - [ Account Number : XXXX ] Data Furnisher : XXXX  XXXX Issues Identified : o Late Payment Reporting : This account shows multiple late payment entries marked as 90 days past due with conflicting update dates ( XX/XX/XXXX, XX/XX/XXXX, etc. ). The inconsistency in reporting late payments does not align with Metro 2 standards for accuracy. 
XXXX  High Balance Reporting : The high balance is inconsistently reported as {$520.00} across the bureaus. Uniformity is required for compliance. 
o Dispute Remarks : Comments vary across bureaus, with XXXX stating Credit card Amount in XXXX column is credit limit, Experian noting Account was in dispute - now resolved by subscriber, and XXXX indicating Dispute resolved; reported by grantor. These conflicting comments create confusion and fail to meet Metro 2 standards for clarity. 
XXXX. Account : XXXX  XXXX XXXX - [ Account Number : XXXX ] Data Furnisher : XXXX XXXX XXXX XXXX  Issues Identified : o Account Status and Late Payment Reporting : This account shows multiple late payment entries that are inconsistent across bureaus, with different update dates and 90-day late payment entries. The discrepancies fail to provide a clear and accurate payment history. 
XXXX  High Balance Reporting : XXXX lists the high balance as {$350.00}, while XXXX reports {$370.00}. Such inconsistencies violate Metro 2 compliance standards. 
o Dispute Comments : XXXX states Consumer disputes this information Credit card, while Experian and XXXX have different remarks. This lack of uniformity causes a misleading representation of my credit report. 
XXXX. Account : XXXX XXXX - [ Account Number : XXXX ] Data Furnisher : XXXX XXXX  Issues Identified : o Account Status and Closure Date : The account is reported as Closed across all bureaus, but with differing closure dates ( XXXX : XX/XX/XXXX, Experian : XX/XX/XXXX, and XXXX : XX/XX/XXXX ). This inconsistency violates Metro 2 standards for uniformity in reporting. 
XXXX  High Balance Reporting : XXXX reports a high balance of {$1300.00}, while XXXX lists {$730.00}. Discrepancies in high balance reporting create a misleading record. 
o Comments and Dispute Remarks : Each bureau has differing comments regarding the account 's closure, such as Closed or paid account/XXXX  balance on XXXX, Account has been closed due to inactivity on Experian, and Canceled by credit grantor on XXXX. These inconsistent remarks fail to meet Metro 2 standards for clarity and uniformity.

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 non-monetary relief