Consumer complaint received 2025-11-11 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: TN

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Inaccurate Reporting, Metro 2 Non-Compliance, and Consumer Law Violations Dear CFPB Representative, I am submitting this complaint pursuant to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and applicable Metro 2 Reporting Standards. Multiple furnishers have reported inaccurate and inconsistent data on my credit report, causing substantial damage to my creditworthiness. I am requesting immediate investigation, deletion, or correction of the following accounts. Each furnisher has been reviewed for compliance with Metro 2 guidelines and federal law. 

XXXX XXXX Bank ( Partial Acct. # XXXX * * * * * * ) XXXX late payments in XXXX after dispute closure. 
XXXX XXXX Violations : Field XXXX ( Account Status ) inconsistent with 'Current ' ; Field XXXX ( Compliance Condition Code ) not cleared after dispute. 
Violations : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ) ; FDCPA 807 ( 8 ). 
XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
Instruction : Update to XXXX XXXX all late payments and report as 'Pays As Agreed '. 
XXXX XXXX Bank ( Partial Acct. # XXXX * * * * * * ) Account marked 'Dispute resolved ; reported by grantor ' without verification proof. 
XXXX XXXX Violations : XXXX XXXX should be blank post-resolution ; XXXX XXXX missing XXXX XXXX XXXX correction. 
Violations : FCRA XXXX ( a ) ( XXXX ) ; FDCPA XXXX ( XXXX ) ( A ). 
XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
Instruction : Update to Positive Remove dispute remark and update to 'Pays As Agreed '. 
XXXX XXXX Bank ( Partial Acct. # XXXX * * * * * * ) XXXX late in XXXX reported inconsistently across bureaus ; no verification provided. 
XXXX XXXX Violations : Field XXXX ( Payment Rating ) and Field XXXX ( Payment History ) contradict 'Current ' status. 
Violations : FCRA 607 ( b ), 611 ( a ) ( 5 ) ( A ) ; FDCPA 807 ( 2 ) ( A ). 
Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ). 
Instruction : Update to Positive Correct the record to show 'Pays As Agreed ' or remove unverifiable late marks. 
XXXX Bank ( Partial Acct. # XXXX * * * * * * ) XXXX XXXX XXXX ( Equifax ) while others XXXX current. 
XXXX XXXX Violations : Field XXXX ( Payment History ) inconsistent across bureaus ; Field XXXX ( Account Status ) inaccurate. 
Violations : FCRA 623 ( b ) ( 1 ) ( D ) ; FDCPA 807 ( 10 ). 
XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
Instruction : Update to Positive Remove inaccurate late marks and align all bureaus with correct 'Pays As Agreed ' status. 
XXXX XXXX ( Partial Acct. # XXXX * * * * * * ) XXXX XXXX disputes after resolution ' without active dispute. 
XXXX XXXX Violations : Field XXXX ( XXXX XXXX XXXX ) must be blank post-resolution. 
Violations : FCRA 623 ( a ) ( 2 ) ; 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
XXXX XXXX : XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
Instruction : Update to Positive Remove inaccurate 'Consumer disputes ' remark and report as current/positive account. 
XXXX XXXX XXXX Bank ( Partial Acct. # XXXX * * * * * * ) Previously reported XXXX delinquency not corrected after reinvestigation. 
XXXX XXXX Violations : Field XXXX ( Payment History ) conflicts with 'Current ' status. 
Violations : FCRA 623 ( b ) ( 1 ) ( D ) ; FDCPA 807 ( 10 ). 
XXXX XXXX : XXXX v. XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
Instruction : Delete Unverifiable account with inaccurate history ; remove entire tradeline. 
XXXX Bank ( Partial Acct. # XXXX * * * * * * ) Equifax reports {$0.00} balance while other CRAs show {$1300.00}. 
XXXX XXXX Violations : Field XXXX ( High Credit ) and Field XXXX ( Balance Amount ) inconsistent. 
Violations : FCRA 623 ( a ) ( 1 ) ( B ) ; FCRA 607 ( b ). 
Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
Instruction : Update to Positive Ensure balance is accurate and consistent across all bureaus. 
XXXX XXXX Bank ( Partial Acct. # XXXX * * * * * * ) Missing credit limit on Equifax causing inflated utilization ratios. 
XXXX XXXX Violations : Field XXXX ( XXXX XXXX ) incomplete data entry. 
Violations : FCRA 623 ( a ) ( 1 ) ( C ) ; FCRA 605 ( b ). 
Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
Instruction : Update to Positive Add accurate credit limit to improve utilization accuracy. 
Total Violations & Damages A total of XXXX negative accounts were found to violate XXXX XXXX standards, FCRA, and FDCPA. Each furnishers reporting contains inaccurate or incomplete data across bureaus. Under FCRA 616 & 617, statutory damages of {$1000.00} per violation apply, totaling {$8000.00} minimum. Complainant reserves the right to pursue compensatory and punitive damages for willful noncompliance.

Requested Actions 1. Immediate deletion or correction of inaccurate accounts across all CRAs. 
XXXX. Written verification of XXXX XXXX field data and reinvestigation results. 
XXXX. Confirmation of removal or positive update for each account as instructed above. 
XXXX. Compensation for statutory and actual damages under 15 U.S.C. 1681n and 1681o.

Failure to correct or delete these inaccuracies within 30 days will result in escalation under FCRA 611 ( a ) ( 5 ) ( A ) and potential filing of a civil action for damages. 


Respectfully,

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