Consumer complaint received 2024-12-05 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: NJ

Complaint narrative:
I am writing to formally dispute the reported late payments and charge-off status for the XXXX XXXXXXXX account ( Account Number : XXXX ) listed on my EXPERIAN Consumer Report. The reporting includes multiple delinquency statuses, specifically : 30 days past due ( Metro 2 Code 1 ) 60 days past due ( Metro 2 Code 2 ) 90 days past due ( Metro 2 Code 3 ) 120 days past due ( Metro 2 Code 4 ) 150 days past due ( Metro 2 Code 5 ) Charge-off ( Metro 2 Code L ) Upon review, I have identified several discrepancies and non-compliance issues with the Metro 2 XXXX standards established by the XXXX XXXX XXXX XXXX XXXX XXXX ) and outlined in the Credit Reporting XXXX XXXX XXXX XXXX ). 

Identified Non-Compliance Issues Metro 2 Standards for Payment Rating ( Field 17b ) The progression of delinquency statuses from 30 to 150 days past due and ultimately to charge-off lacks supporting documentation and fails to comply with the accuracy and data integrity requirements of the Metro 2 format. 
There is no evidence that appropriate notices or billing statements were sent to me during this period to substantiate these delinquencies, as required by federal law. 
Incomplete or Erroneous Data Reporting The account balance of {$370.00} exceeds the credit limit of {$200.00}, reflecting an inflated credit utilization ratio of 100 %. This error further demonstrates a failure to maintain accurate reporting standards. 
The charge-off status ( Code L ) suggests an unresolved delinquency without sufficient documentation or verification from the data furnisher ( XXXX XXXX ). 
Failure to Comply with FCRA and CDIA Standards Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to ensure maximum possible accuracy. The discrepancies in reporting, combined with the absence of proper documentation, indicate a breach of this obligation. 
The XXXX explicitly requires furnishers and credit reporting agencies to verify the accuracy of all data elements in accordance with Metro 2 standards.

Improper Notification Procedures I did not receive timely notifications of the alleged delinquencies or charge-off status, as required by federal laws and Metro 2 guidelines.

Request for Immediate Action Given the identified issues, I respectfully request the following : Immediate removal of all late payments ( 30, 60, 90, 120, and 150 days past due ) and the charge-off status associated with this account from my EXPERIAN CONSUMER REPORT.A full investigation into the reporting practices of XXXX XXXXXXXX, including verification of compliance with Metro 2 and XXXX standards. 
Written confirmation of the corrections or detailed substantiation, including all documentation supporting the reported delinquencies and charge-off status. 
Please consider this letter a formal dispute under the Fair Credit Reporting Act ( XXXX5 U.S.C. 1681i ). Failure to address and resolve these inaccuracies promptly will result in further actions.

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