Consumer complaint received 2025-04-27 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Last XXXX of SS : XXXX Date of Birth : XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX * * SUBJECT : FORMAL DISPUTE OF MULTIPLE METRO 2 FORMAT TECHNICAL VIOLATIONS * * To Whom It May Concern : This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), regarding multiple technical Metro 2 Format violations in my credit report across three accounts. These violations render the accounts legally deficient under established credit reporting industry standards as codified in the XXXX XXXX XXXX XXXX ( XXXX  ). 

# # ACCOUNT # XXXX XXXX XXXX  ACCOUNT DETAILS : * * - Creditor : XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Status : Collection account. {$1000.00} past due as of XXXX XXXX * * METRO 2 FORMAT VIOLATIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CODE INCONSISTENCY * * The account displays a status of " Collection account '' but shows numerous inconsistent payment history codes throughout the timeline - mixed " C '' ( Collection ) and " ND '' ( No Data ) values appear without logical pattern. This violates XXXX XXXX XXXX which requires consistent XXXX  XXXX  codes once an account has been designated as in collection. 

2. * * REQUIRED FIELD OMISSION VIOLATION * * The report shows " High balance : Not reported '' and " Monthly payment : Not reported '' which violates XXXX XXXX XXXX that explicitly prohibits null values for required fields in collection accounts. Both fields must contain valid values for proper Metro 2 compliance. 

XXXX. * * CONSUMER INFORMATION INDICATOR CONTRADICTION * * The account contains the comment " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' but fails to include the mandatory Consumer Information Indicator code " XB '' ( Consumer disputes under FCRA ) in Field XXXX as required by XXXX XXXX XXXX for all disputed accounts. 

XXXX. * * ACCOUNT DESIGNATION CODE ERROR * * The account shows both " Terms : 1 Month '' and " Monthly payment : Not reported '' - a direct contradiction that violates XXXX XXXX XXXX, as accounts with specified term durations must include corresponding payment amounts. 

XXXX. * * DATE SEGMENT SEQUENCE ERROR * * The Date of Status ( XX/XX/XXXX ) has not been updated despite multiple dispute investigations and account status changes shown in the payment history grid, violating XXXX XXXX XXXX which requires Date of Status to reflect the most recent status change date. 

# # ACCOUNT # XXXX * * ACCOUNT DETAILS : * * - Creditor : XXXX XXXX - Account Number : XXXX.... 
- Date Opened : XX/XX/XXXX - Status : Closed. {$62.00} past due as of XXXX XXXX * * XXXX XXXX FORMAT VIOLATIONS : * * XXXX. * * ACCOUNT STATUS/TERMS DURATION CONFLICT * * The account shows " Terms : Not reported '' which violates XXXX  XXXX XXXX that explicitly requires a Terms Duration value for all credit card accounts. This is a mandatory field that can not be null or " Not reported '' in Metro 2 Format. 

XXXX. * * CREDIT LIMIT/HIGH BALANCE LOGICAL INCONSISTENCY * * The Credit Limit ( {$100.00} ) and High Balance ( {$200.00} ) create a logical impossibility without the required Special Comment Code in Field XXXX to explain the overage. This violates XXXX XXXX XXXX which requires appropriate explanation codes when balances exceed limits. 

XXXX. * * PAYMENT AMOUNT/CREDIT LIMIT RATIO ERROR * * The Monthly Payment ( {$100.00} ) exceeds the Credit Limit XXXX {$100.00} ), creating an illogical reporting scenario that violates XXXX  XXXX XXXX requirements for payment amount calculations on revolving accounts. 

XXXX. * * ACCOUNT STATUS/PAYMENT HISTORY GRID CONTRADICTION * * The account status is " Closed '' with " Account closed at credit grantor 's request '' comment, yet shows active delinquency progression ( 30 days to 60 days ) in the payment history grid. This violates XXXX XXXX XXXX which specifies how closed accounts must be reported with appropriate termination codes. 

XXXX. * * PAYMENT STATUS/BALANCE MISMATCH * * The account shows " Status : Closed '' but simultaneously reports " {$62.00} past due as of XXXX XXXX '' which creates a Metro 2 coding contradiction. XXXX XXXX  XXXX requires that closed accounts must use specific Account Status codes that align with the closed status rather than continuing to report as if the account were open and delinquent. 

# # ACCOUNT # XXXX * * ACCOUNT DETAILS : * * - Creditor : XXXX XXXX - Account Number : XXXX.... 
- Date Opened : XX/XX/XXXX - Status : XXXX. {$200.00} past due as of XX/XX/XXXX * * METRO 2 FORMAT VIOLATIONS : * * 1. * * PAYMENT HISTORY PROFILE CODE INCONSISTENCY * * The status indicates " {$200.00} past due as of XX/XX/XXXX, '' but with a monthly payment of {$97.00}, this suggests multiple missed payments, yet the payment history grid only shows " 30 '' days late for XXXX. This creates a numerical inconsistency that violates XXXX XXXX  XXXX requirements for accurate synchronization between dollar amounts and delinquency codes. 

XXXX. * * ACCOUNT STATUS/PAYMENT RATING CODE MISMATCH * * The XX/XX/XXXX payment shows as " OK '' while the account simultaneously carries a past due balance of {$200.00}. This violates XXXX XXXX XXXX requirements for consistent status reporting across all segments of the tradeline. 

XXXX. * * HIGH BALANCE FIELD OMISSION * * The " High balance '' field shows " Not reported, '' violating XXXX XXXX XXXX that explicitly prohibits null values for this required field for secured loans. 

XXXX. * * BASE SEGMENT/TRAILER RECORD INCONSISTENCY * * The original amount is listed as {$1000.00}, but the recent balance shows {$1000.00} with no documentation of the {$59.00} difference in the appropriate XXXX or XXXX Segments as required by XXXX XXXX XXXX. 

XXXX. * * TIMELINE REPORTING DEFICIENCY * * XX/XX/XXXX payment shows " No data '' despite the account being opened on XX/XX/XXXX. This violates XXXX XXXX XXXX requirements for appropriate partial month reporting. 

# # LEGAL REQUEST UNDER FCRA : Pursuant to my rights under 15 U.S.C. 1681i, I hereby demand that Experian : 1. Conduct a detailed investigation of each Metro 2 Format violation identified above for all three accounts 2. Remove these accounts from my credit report entirely, as the technical violations render the entirety of the tradelines legally deficient 3. Notify me of the results of your investigation within 30 days as required by statute 4. Provide a description of the procedure used to determine the accuracy and completeness of the information 5. Provide me with a free copy of my credit report showing that these corrections have been made As courts have consistently held, credit reporting agencies must verify not merely the existence of the accounts, but the technical accuracy of each piece of information in compliance with industry standards. These identified Metro 2 Format violations clearly demonstrate non-compliance with mandatory credit reporting standards as established in the XXXX XXXX XXXX XXXX ( XXXX ). 

Should your investigation fail to resolve these specified Metro 2 Format violations, I reserve all rights to pursue available remedies under federal law, including statutory damages, actual damages, costs, and attorney 's fees. 

This dispute letter is being sent with return receipt requested to document compliance with all applicable deadlines. 

Respectfully submitted, XXXX XXXX * * Enclosures : * * 1. Copy of my Experian credit report with highlighted Metro 2 violations 2. Copy of driver 's license ( for identity verification ) 3. Copy of the Metro 2 Format sections referenced ( for your convenience ) cc : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Certified Mail # : _________________ XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Certified Mail # : _________________ XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Certified Mail # : _________________

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