Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX Account Number : XXXX Issue : Reported 30-day late payment in XX/XX/XXXX is inaccurate. I made all payments on time. 
Metro 2 Code : Update " Account Status '' to 11 ( Current ) and " Payment History '' to reflect no delinquency ( remove 30-day late mark ).

e-OSCAR Code : 001 ( Inaccurate payment history ).

Request : Verify payment records and update accordingly. 

XXXX Account Number : XXXX Issue : Account is under dispute ; 60-day late payment in XX/XX/XXXX is incorrect or unverifiable. 
Metro 2 Code : Update " Account Status '' to 11 ( Current ) and " Compliance Condition Code '' to XA ( Disputed, under investigation ) ; remove 60-day late mark from " Payment History. '' e-OSCAR Code : 002 ( Account in dispute ) and 103 ( Payment history inaccurate ).

Request : Validate the late payment and provide documentation ; correct if inaccurate. 

XXXX XXXX Account Number : XXXX Issue : Marked " Potentially Negative '' without clear derogatory details ; balance or payment history may be misreported.

Metro 2 Code : Verify " Account Status '' ( should be 11 if current ) and " Payment History '' for accuracy.

e-OSCAR Code : 101 ( Inaccurate account status ).

Request : Provide payment history and proof of derogatory status ; correct if erroneous. 

XXXX XXXX & XXXX Account Number : XXXX Issue : Collection account reporting is unverifiable ; no proof of debt ownership provided.

Metro 2 Code : Update " Account Status '' to DA ( Delete Account ) if unverifiable ; " Compliance Condition Code '' to XA ( Disputed ).

e-OSCAR Code : 013 ( Collection account not mine/unverifiable ).

Request : Validate debt with original creditor documentation ; delete if unverifiable. 

XXXX XXXX & XXXX Account Number : XXXX Issue : Possible duplicate of Account # XXXX ; collection reporting is unverifiable.

Metro 2 Code : Update " Account Status '' to DA ( Delete Account ) if duplicate or unverifiable.

e-OSCAR Code : 014 ( Duplicate account ).

Request : Confirm if duplicate ; validate debt and delete if erroneous. 

XXXX XXXX XXXX Account Number : XXXX Issue : Reported 60-day late payment in XX/XX/XXXX and XX/XX/XXXX is inaccurate. 
Metro 2 Code : Update " Account Status '' to 11 ( Current ) and " Payment History '' to remove 60-day late mark.

e-OSCAR Code : 001 ( Inaccurate payment history ).

Request : Verify payment records and correct reporting. 

XXXX Account Number : XXXX Issue : Reported 60-day late payment in XXXX XXXX is inaccurate.

Metro 2 Code : Update " Account Status '' to 11 ( Current ) and " Payment History '' to remove 60-day late mark.

e-OSCAR Code : 001 ( Inaccurate payment history ).

Request : Verify payment records and correct reporting. 

XXXX Account Number : XXXX XXXX : Reported 60-day late payment in XXXX XXXX is inaccurate.

Metro 2 Code : Update " Account Status '' to 11 ( Current ) and " Payment History '' to remove 60-day late mark.

e-OSCAR Code : 001 ( Inaccurate payment history ).

Request : Verify payment records and correct reporting.

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