Consumer complaint received 2025-10-15 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: TN

Complaint narrative:
CFPB / Metro 2Compliant Dispute & Complaint Consumer : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX {$270.00} Subject : Inaccurate Late Payment Reporting / Metro 2 Compliance Violation Regulations Cited : 15 U.S.C. 1681s-2 ( b ) Duty to investigate and correct inaccurate information 15 U.S.C. 1681i Reinvestigation of disputed information 38 U.S.C. 5301 Protection of veterans benefits CDIA Metro 2 Format Standards ( Base Segment & Payment History Profile Fields ) Complaint Summary : I am filing this complaint because XXXX XXXX XXXX XXXX is reporting a {$270.00} account with an inaccurate late payment that does not comply with Metro 2 reporting standards. The payment history, status code, and date fields are not aligned with CDIAs Metro 2 Format, and the furnisher has failed to conduct a reasonable investigation as required under 15 U.S.C. 1681s-2 ( b ). 
This inaccurate reporting continues to harm my credit profile and violates my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, any portion of this alleged debt that involved veterans benefits is exempt from attachment, levy, or collection under 38 U.S.C. 5301.

Dispute Reason ( e-OSCAR AID Codes Embedded ) To ensure this dispute is read correctly by the automated e-OSCAR system, I am identifying the exact codes relevant to this dispute : Code Description 001 Not his/hers ( account does not belong to consumer ) 007 Claims paid account is reported as delinquent 103 Claims account information is inaccurate 112 Claims account is not past due 127 Disputes current payment status or payment history profile I am specifically asserting Code 007 and Code 127 the account was paid or current, and any reported delinquency or late payment is inaccurate under the Metro 2 Payment Rating field and Account Status field. 
Request for Corrective Action : Conduct a reinvestigation consistent with 15 U.S.C. 1681s-2 ( b ) and 1681i, ensuring full compliance with Metro 2 fields : Base Segment Payment Rating Payment History Profile Account Status Special Comment Code Verify the accuracy of the Date of First Delinquency ( DOFD ) and ensure that no late payments are reported where no delinquency actually occurred. 
Immediately delete or correct the inaccurate tradeline if documentation can not verify accuracy. 
Notify all consumer reporting agencies ( Experian, Equifax, TransUnion ) within the 30-day reinvestigation period, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Statement for CFPB Review : I am a veteran, and this reporting interferes with protected federal benefits that are non-assignable and exempt from attachment under 38 U.S.C. 5301.

I request CFPB oversight to ensure XXXX XXXX corrects or deletes the inaccurate data and that the credit bureaus comply with FCRA and Metro 2 standards.

Supporting Documents : Metro 2compliant dispute letter ( attached ) Proof of veteran status Requested Resolution : Delete or correct the inaccurate late payment Confirm update to all CRAs within 30 days Provide written confirmation of compliance under FCRA 1681i ( a ) ( 6 )

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