Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
XX/XX/XXXXXXXX  Reporting on Credit Report, Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Demand for Permanent Deletion and Compensation for FCRA, FDCPA, and Metro 2 Violations Dear XXXX  XXXX and Credit Reporting Agencies, Pursuant to 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( b ), I am submitting this formal dispute via the e-OSCAR system in XXXX  format to address multiple inaccuracies in the reporting of the above-referenced accounts on my credit reports maintained by XXXX, Experian, and XXXX. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Metro 2 compliance standards, and the Office of the Comptroller of the Currencys Regulatory Authority ( OCRA ). I demand immediate investigation, correction, or permanent deletion of these accounts, along with compensation for damages caused by these violations. 
Account Information and Inaccuracies The following accounts are inaccurately reported : Bureau Account Number Account Type Reported Status Balance Date Opened Last Reported Comments TransUnion XXXXXXXX XXXX XXXX XXXX XXXX Revolving Derogatory {$680.00} XX/XX/XXXX XX/XX/XXXX Charged off as bad debt, Canceled by credit grantor Experian XXXXXXXX XXXX XXXX XXXX XXXX Revolving Derogatory {$680.00} XX/XX/XXXXXXXX XXXXXX/XX/XXXX Account closed due to inactivity, Unpaid balance reported as a loss XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Revolving Derogatory {$680.00} XX/XX/XXXXXXXX XXXXXX/XX/XXXX Charged off account, Accounts closed by credit grantor Specific Inaccuracies and Violations The following inaccuracies and violations are present in the reporting of these accounts : 1. Incorrect Date of First Delinquency ( DOFD ) : * Violation : 15 U.S.C. 1681c requires accurate reporting of the DOFD. The reported DOFD is inconsistent across bureaus ( e.g., Date of Last Activity : XX/XX/XXXXXXXX  for XXXX, XX/XX/XXXX for Experian, XX/XX/XXXXXXXX  for XXXX  ). This discrepancy suggests failure to verify the DOFD, violating FCRA 1681e ( b ), which mandates reasonable procedures to ensure accuracy. 
* Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), establishes that inaccurate reporting of key dates, such as DOFD, constitutes a material violation of FCRA. 
2. Inaccurate Account Status and Payment History : * The accounts are reported as Collection/Chargeoff with a two-year payment history showing inconsistent statuses ( e.g., CO and OK across months ). Metro 2 guidelines ( XXXX XXXX XXXX XXXX, XXXX ) require consistent status codes ( e.g., Code 97 for charge-off ). The mixed reporting of OK and CO violates Metro 2 standards and FCRA 1681s-2 ( b ), which requires furnishers to report accurate and verifiable information. 
* Case Law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ), holds furnishers liable for failing to correct inaccurate status codes after a dispute. 
3. Inconsistent Credit Limit and High Credit Reporting : * The credit limit is reported as {$500.00} by XXXX  and Experian but {$0.00} by XXXX. Similarly, High Credit is reported as {$690.00} by XXXX and XXXX  but {$0.00} by Experian. These inconsistencies violate Metro 2 Field XXXX ( Credit Limit ) and Field XXXX ( High Credit ) requirements, rendering the reporting misleading under FCRA 1681e ( b ). 
* Case Law : White v. Experian Info. Solutions, Inc., 993 XXXX XXXX. XXXX XXXX ( XXXX XXXX  XXXX ), affirms that inconsistent reporting of credit limits is a material inaccuracy. 
4. Misleading Comments and Account Closure : * Comments such as Charged off as bad debt, Account closed due to inactivity, and Canceled by credit grantor are inconsistent and misleading. Metro 2 requires clear and accurate Account Status Codes ( e.g., Code 13 for closed accounts, Code 97 for charge-offs ). These vague comments violate FCRA 1681i ( a ) by failing to provide a complete and accurate account status. 
* FDCPA Violation : Under 15 U.S.C. 1692e, misleading representations about the status of a debt are prohibited. The inconsistent comments suggest an attempt to misrepresent the accounts status, potentially constituting wire fraud under 18 U.S.C. 1343 by transmitting false data via e-OSCAR.

5. Failure to Verify After Dispute : * Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation and delete unverifiable information. The continued reporting of these inaccuracies after prior disputes ( if applicable ) indicates a failure to comply with this requirement.

* Case Law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), holds that furnishers must conduct meaningful investigations, not merely parrot prior data. 
6. OCRA Compliance Failure : * The Office of the Comptroller of the Currency ( OCC ) requires accurate reporting by national banks like Capital One. The inconsistencies in DOFD, status codes, and credit limits violate OCC Bulletin 2014-37, which mandates compliance with FCRA and Metro 2 standards. 
Legal Demands and Remedies Sought Based on the above violations, I demand the following : 1. Permanent Deletion of Inaccurate Information : * Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), delete all inaccurate entries for the referenced accounts from my credit files across all three bureaus. This includes incorrect DOFD, status codes, credit limits, high credit amounts, and misleading comments.

2. Compensation for Damages : * The inaccurate reporting has caused financial and emotional harm, including potential credit denials and distress. Under 15 U.S.C. 1681n and 1681o, I am entitled to actual and statutory damages for willful and negligent noncompliance. I demand {$1000.00} per violation per bureau ( totaling {$3000.00} per violation across XXXX, Experian, and XXXX  ) for the following : * Inaccurate DOFD reporting ( 15 U.S.C. 1681c ).

* Failure to maintain reasonable accuracy procedures ( 15 U.S.C. 1681e ( b ) ).

* Failure to conduct a reasonable investigation ( 15 U.S.C. 1681s-2 ( b ) ).

* Misleading representations ( 15 U.S.C. 1692e ).

3. Cease and Desist Reporting : * Cease reporting these accounts to any credit reporting agency until all inaccuracies are corrected, as required by 15 U.S.C. 1681s-2 ( b ).

4. Metro 2 Compliance : * Update all reporting to comply with Metro 2 standards, including accurate Account Status Codes ( e.g., Code 97 for charge-offs, Code 13 for closed accounts ), consistent DOFD, and correct credit limit/high credit fields.

5. Preservation of Rights : * Without Prejudice UCC 1-308 : I reserve all rights and remedies under federal and state law, including the right to pursue further legal action if these violations are not addressed within the statutory 30-day period under 15 U.S.C. 1681i ( a ) ( 1 ).

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