Consumer complaint received 2025-08-04 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 submitting a formal complaint regarding inaccurate and potentially noncompliant credit reporting by several furnishers and consumer reporting agencies. This complaint pertains to inaccurate late payment marks and improper reporting that appears to violate the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines. 

Personal Identifying Information Review Name : My legal name is XXXX XXXX. Please remove any names, aliases, or variations that do not match this exactly. 

Address : My current and only address is XXXX XXXX XXXX # XXXX, XXXX, MA XXXX. Please delete any outdated or incorrect addresses listed on my credit reports. 

Accounts in Dispute ( Metro 2 Compliance Request ) XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Late Mark : XXXX XXXX  30 days late Issue : I do not recall missing a payment during this period. I request validation, including complete billing and payment records in Metro 2 format. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Late Mark : XXXX XXXX 30 days late Issue : Payment was made on time or within the grace period. I request Metro 2 Field 17A review and accurate status code verification. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Late Marks : XXXXXXXX XXXX XXXX XXXX  30 days late Issue : These late marks do not reflect my payment history. I request billing records and account activity confirmation. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Late Marks : XXXX XXXX  30 days ; XXXX XXXX 60 days Issue : I dispute the delinquency sequence. Please provide documentation showing actual due dates and payments, aligned with Metro 2 compliance. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Late Marks : XXXX XXXX 30 days ; XXXX XXXX 30 days Issue : These may stem from processing delays. I request account verification and payment posting documentation. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Late Mark : XXXX XXXX 30 days Issue : I dispute this mark. Please verify the accuracy of reporting and supply a complete account history. 

XXXX XXXX XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Late Marks : XXXX XXXX 30 days ; XXXX XXXX 60 days Issue : I believe this reporting is inaccurate or outdated. I request original billing statements and evidence of grace period consideration. 

XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Late Mark XXXX XXXX XXXX 30 days Issue : I dispute this late payment. Please provide proof of payment timing and Metro 2 status confirmation. 

XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Late Marks : XXXX XXXX  60 days XXXX XXXX  90 days XXXX XXXX 120 days XXXX XXXX 120 days Issue : I dispute this series of entries. Please validate progression per XXXX XXXX hierarchy and include all related payment history, notices, and internal communications.

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