Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
Subject : Demand for Deletion of Inaccurate Tradeline Due to Negligent Reporting, Refusal to Correct, and False Statements Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX  ), XXXXXXXX XXXX XXXX XXXX XXXX  ( Experian ), and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX 
Attn : XXXX XXXX  XXXX XXXX XXXX XXXX, WA XXXX Re : Dispute of Inaccurate Credit Reporting and Demand for Immediate Deletion CFPB Complaint Reference : XXXX Dear XXXX XXXX Compliance Team, I am writing in direct response to your company 's misleading reply dated XX/XX/XXXX, to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the blatantly inaccurate and inconsistent reporting of my account to the consumer reporting agencies ( CRAs ), including XXXX, Experian, and XXXX. In your response, you falsely assert that XXXX XXXX is furnishing accurate information, that no evidence of misreporting exists, and that your investigations in XXXX and XX/XX/XXXX confirmed as much. These statements are demonstrably untrue, as my current credit reports reveal glaring conflicts in the data you have reportedconflicts that you have negligently failed to update despite multiple disputes and have outright refused to correct. This pattern of negligence, refusal, and dishonesty constitutes willful violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, entitling me to demand the immediate deletion of this tradeline from all CRAs. Failure to comply will result in escalated legal action. 

# # # Summary of the Account and Your Deceptive Response As per your response, I obtained a loan from XXXX XXXX on XX/XX/XXXX, for {$180.00} ( amount financed ). You claim I made only XXXX of XXXX payments, leading to a charge-off on XX/XX/XXXX, and insist your reporting is accurate and authorized under your Privacy Notice. You further lie by stating that your investigations found " no evidence of misreporting '' and deny any FCRA violations, refusing to delete the reporting despite my requests. 

These assertions are outright fabrications. Not only do the discrepancies in my credit reports prove your reporting is inaccurate, but your repeated failure to update the information after being notified through prior CRA disputes and this CFPB complaint demonstrates gross negligence. Moreover, your refusal to rectify these errorswhile doubling down on false claims of accuracyshows a deliberate disregard for your legal obligations. Under the FCRA, such unverifiable and conflicting information must be deleted, and I hereby demand you do so immediately. 

# # # Evidence of Conflicting Reporting Proving Your Lies and Negligence My credit reports, pulled as of XX/XX/XXXX, expose the falsehoods in your response through these irreconcilable discrepancies in the data you furnished : XXXX. * * Date Opened * * : - XXXX  : XX/XX/XXXX. 
- Experian : XX/XX/XXXX. 
This XXXX variance contradicts your stated loan date of XX/XX/XXXX, and highlights your negligent failure to ensure consistent reporting. You lied about accuracy, as this basic detail varies wildly across bureaus. 

XXXX. * * Date of Last Activity * * : - XXXX  : XX/XX/XXXX. 
- Experian : XX/XX/XXXX. 
A discrepancy spanning over XXXX years is inexplicable and unsupported by your response, which mentions no XXXX activity. Reporting phantom recent activity on Experian could unlawfully re-age the account, and your refusal to update this after disputes proves willful negligence. 

XXXX. * * Account Comments and Status Descriptions * * : - XXXX  : " Charged off as bad debt. Dispute resolved ; reported by grantor. '' - Experian : " Account in dispute- now resolved - reported by subscriber. Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. Unpaid balance reported as a loss by the credit grantor. '' These conflicting narratives imply different handling ( e.g., no mention of attorney or collections assignment in your response ), rendering your claim of accurate reporting a lie. Your negligence in not standardizing these details has allowed harmful inconsistencies to persist. 

XXXX. * * Additional Inconsistencies * * : - Balance ( {$170.00} ), past due ( {$170.00} ), high credit ( {$180.00} ), and terms ( 2 months ) are reported, but with a {$0.00} credit limitunusual for an unsecured loan and indicative of improper categorization. The last reported date ( XX/XX/XXXX ) lacks justification, further evidencing your failure to update accurately. 
- Payment history shows uniform " CO '' ( charge-off ) entries, yet you have refused to correct the overall conflicting data. 

These discrepancies make the information unverifiable and directly contradict your false assurances of accuracy. Your negligence in maintaining consistent records and refusal to update post-dispute have prolonged this damage to my credit. 

# # # Violations of the Fair Credit Reporting Act ( FCRA ) Stemming from Negligence, Refusal, and Lies Your actionsor lack thereofviolate key FCRA provisions ( 15 U.S.C. 1681 et seq. ), particularly through negligent investigations, refusal to correct, and false representations : 1. * * Section 623 ( a ) ( 1 ) Duty to Provide Accurate Information * * : You must not furnish known or reasonably believed inaccurate data. The conflicts prove you knew or should have known of inaccuracies, yet you negligently continued reporting them and lied in your response about their absence. 

2. * * Section 623 ( b ) Duties Upon Notice of Dispute * * : After CRA disputes in XXXX XXXX and this CFPB notice, you were obligated to reasonably investigate and correct/delete unverifiable info. Your superficial " investigation '' was negligent, as errors remain, and your refusal to update violates this duty. Claiming " no evidence of misreporting '' is a blatant lie given the evidence. 

3. * * Section 623 ( a ) ( 2 ) Duty to Correct and Update * * : You must promptly fix inaccuracies and notify CRAs. Your ongoing refusal to do so, despite clear conflicts, constitutes negligence and willful noncompliance. 

These violations have inflicted harm, including credit denials and stress. FCRA allows for actual, statutory ( {$1000.00} per violation ), punitive damages, and fees ( 15 U.S.C. 1681n, 1681o ). Courts penalize furnishers for such negligent and deceptive practices.

# # # Violations of Metro 2 Reporting Guidelines Due to Negligent Handling Under the Credit Reporting Resource Guide ( CRRG ) and Metro 2 standards maintained by the Consumer Data Industry Association ( CDIA ) : - * * Inconsistent Field Reporting * * : Varied Date Opened ( Field XXXX ) and Last Activity ( Field XXXX ) breach requirements for uniform data, reflecting your negligence in submissions. 
- * * Improper Status Codes * * : Conflicting comments misuse Account Status ( Field 17A, e.g., 97 for charge-off ) and Special Comment Codes ( Field 39 ), creating ambiguity you refused to resolve.

- * * Prohibited Practices * * : Reporting unsubstantiated 2025 activity suggests re-aging, a Metro 2 violation, compounded by your lies about accuracy. 

Your negligent non-compliance has led to these issues, mandating deletion under FCRA when data can't be verified. 

# # # Demand for Deletion and Other Remedies Due to your negligence in updating the reporting, refusal to correct despite disputes, and false statements in your response, I demand the following within 15 days : 1. Immediate deletion of the entire tradeline from XXXX, Experian, XXXX, and any other CRAs, as the information is unverifiable and inaccurate.

2. Cease all collection activities permanently.

3. Provide written confirmation of deletion, including CRA notifications and updated reports.

4. Compensate me for damages caused by your violations, or face litigation.

Noncompliance will prompt new CFPB/FTC complaints , state Attorney General involvement, and FCRA lawsuit for willful violations. I reserve all rights. 

Respond in writing to the above address. All communications are preserved for legal purposes. 

Sincerely, Enclosures : - Credit Report Excerpts ( XXXX, Experian, XXXX  ) - CFPB Complaint and Your Response ( Reference : XXXX )

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