Consumer complaint received 2025-09-19 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:
Basis for Dispute : FCRA Violations Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable.

Under FCRA 609 ( a ) ( 1 ) ( A ), I have the right to request documentation verifying the accuracy of the reported information.

Because this account has been settled with a {$0.00} balance, it should not continue to report derogatory marks such as charge-off for multiple consecutive months.

Metro 2 Reporting Violations The Metro 2 Compliance Guidelines prohibit back-to-back charge-off reporting. Once an account is charged off, it may only be reported as a charge-off in the month it occurrednot continuously across multiple months. 

This account reflects CO ( charge-off ) reporting in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX, despite being listed as Paid in settlement in XX/XX/XXXX. 

Additionally, XX/XX/XXXX shows a progression of 30 90 days late while later months show CO repeated after settlement, which creates an inconsistent and misleading payment history.

This is a direct violation of Metro 2 standards and therefore inaccurate under FCRA 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

Misleading and Incomplete Reporting The account comments state Account paid in full for less than full balance, yet the pa
yment history still reports it as 180+ days late/charge-off for months after the settlement.

This creates the false appearance of an ongoing delinquency on an account that has no remaining balance.

Requested Action : I request that your agency promptly investigate and take the following corrective actions : Verify the accuracy of the negative reporting on the XXXXXXXX XXXX account. 

Remove the repeated and inaccurate charge-off notations and any late payment history following the XX/XX/XXXX settlement. 

Update the account to reflect accurate positive reporting, showing it as settled with no outstanding balance, and in good standing. 

If this can not be corrected in line with FCRA and Metro 2 standards, the account must be deleted entirely from my credit file.

Supporting Documentation : I have enclosed the following : A copy of my credit report, highlighting the disputed account. 

A copy of my government-issued ID for identity verification. 

Proof of address, such as a utility bill. 

Social Security verification page.

As required by FCRA 611 ( a ) ( 1 ), please complete your investigation and provide a written response within 30 days of receipt of this letter. If the negative reporting is verified, I request that you provide full documentation detailing the verification process, including all records relied upon.

Failure to comply with these requirements may result in further action to enforce my consumer rights with the CFPB, FTC, and state regulators. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the corrections made to my credit report. 

Sincerely, XXXX 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