Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
This complaint challenges inaccurate, inconsistent, incomplete, and/or unverifiable data that Experian are publishing about me and that furnishers ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) are supplying in violation of the Fair Credit Reporting Act ( FCRA ) and the CDIA Metro 2 Credit Reporting Resource Guide . Despite my written disputes, Experian failed to conduct a lawful reinvestigation, to forward all relevant information to furnishers within five business days, The CRAs must also assure maximum possible accuracy ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ) and provide full-file disclosure on request ( FCRA 609 ( a ), 15 U.S.C. 1681g ) .Metro 2 requires accurate Date of First Delinquency ( DOFD ) reporting ( Field 25 ) and controls the seven-year aging clock ( FCRA 605 ( a ), 605 ( c ) ; 15 U.S.C. 1681c ( a ), ( c ) ). The CDIA guide makes clear the DOFD drives purge/obsolescence, and furnishers must report DOFD within 90 days when an account is placed for collection/charged off..

Case law : CRAs can not rubber-stamp furnisher responses ( XXXX XXXX XXXX XXXX XXXX XXXX they must ensure coherent delinquency sequencing ( XXXX XXXX XXXX XXXX. ) ; they must provide complete file disclosure ( XXXX v. Equifax ) ; boilerplate e-OSCAR responses are inadequate ( XXXXXXXX XXXX XXXX  ). These authorities underscore the statutory duties cited above. 
XXXX. XXXX XXXX XXXX  ( XXXX ), XXXX. Account XXXX Reported fields ( sample ) : AsAgreed, Open, Revolving, Balance {$0.00}, Credit Limit {$300.00} ; XXXX  : CURRENT ACCOUNT/WAS 30 DAYS PAST DUE DATE ; Date Opened XXXX ; Date Reported XXXX ; Dispute Status = XXXX. 
Violations : ( a ) 1681e ( b ) Maximum possible accuracy. An open, current account simultaneously carrying a derogatory was 30 days past due remark without a coherent 30/60/90 sequence or DOFD conflicts with Metro 2 sequencing and risks re-aging.

( b ) 1681i ( a ) no proper dispute coding or suppression during reinvestigation ( Dispute Status shows XXXX ), and no demonstration of forwarding all relevant information to the furnisher. 
( c ) 1681g ( a ) full file disclosure must include all information needed to substantiate the derogatory ; Experian has not provided a DOFD or supporting records. 

XXXX. XXXX XXXX, XXXX Account XXXX Reported fields : AsAgreed/Open ; Revolving/ChargeAccount classification ; Credit Limit {$2500.00} XXXX XXXX Balance {$240.00} ; Date Opened XXXX ; Date of Last Activity XXXX ; Remark : CURRENT ACCOUNT/WAS 30 DAYS PAST DUE DATE ; Dispute Status = XXXX. 
Violations : same as above. A current/pay-as-agreed line flagged as previously late without XXXX and without proper dispute coding contravenes 1681e ( b ) and 1681i ( a ), and fails Metro 2 XXXX/sequence expectations ( XXXX XXXX drives the reporting period ). 

XXXX XXXX XXXX XXXX XXXX Account XXXX Reported fields : Installment ; Late30Days/Open ; Date Opened XXXX ; Date Reported XXXX ( and XXXX in XXXX, showing inconsistency across bureaus ) ; Dispute Status = XXXX. 
Violations : same statutory duties ; no XXXX disclosed ; late-marking without properly supported billing schedule and sequencing ( see XXXX ) and without dispute suppression.

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