Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau Investigator, I am writing to file a formal complaint and request an immediate investigation into inaccurate and conflicting credit information being reported by multiple furnishers to the consumer reporting agencies ( CRAs ). The following four derogatory accounts are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards.

1. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Reported by : TransUnion , Experian , Equifax Status : Closed Derogatory / Charged Off Violations and Inaccuracies : Account reports as Charged Off with a {$0.00} balance.

Conflicting statuses across bureaus.

Violates FCRA 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), and 15 USC 1681s-2 ( b ).

Metro 2 Violation : Field 17A ( Code 97 Charge-Off ) can not exist with a XXXX  balance. 
Case Law : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ).

Instructions for Dispute : PLEASE DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.

Estimated Compensation : {$3000.00} ( 3 bureaus @ {$1000.00} each ) 2. XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by : Experian Status : Open Customer Disputed Account Violations and Inaccuracies : Reports Open/Current while showing late payments.

Violates FCRA 1681e ( b ), FDCPA 807 ( 2 ) ( A ), Metro 2 Field 11 inconsistency.

Case Law : Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ).

Instructions for Dispute : PLEASE DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.

Estimated Compensation : {$2000.00} 3. XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported by : Equifax Status : Open Consumer Disputes This Account Information Violations and Inaccuracies : Reports Open/Current with a {$0.00} balance and a dispute remark.

Violates Metro 2 Field 11 ( Status Code 11 ) and FCRA 623 ( a ) ( 2 ).

Case Law : Seamans v. Temple Univ., 744 F.3d 853 ( 3d Cir. 2014 ).

Instructions for Dispute : PLEASE DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.

Estimated Compensation : {$1000.00} 4. XXXX XXXX ( Duplicate Late Pattern ) Reported by : Experian Status : Derogatory Late sequence inconsistency Violations and Inaccuracies : Reports 30/60/90-day late sequence with no initial 30-day mark.

Violates Metro 2 Field 24A ( Payment Rating ).

Violates FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ).

Case Law : Smith v. LexisNexis Screening Solutions , Inc., 837 F.3d 604 ( 6th Cir. 2016 ).

Instructions for Dispute : PLEASE DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.

Estimated Compensation : {$1000.00} Total Estimated Compensation Account Bureaus Compensation XXXX XXXX XXXX {$3000.00} XXXX XXXX {$2000.00} XXXX XXXX {$1000.00} XXXX Late Pattern 1 {$1000.00} Total Compensation Requested : {$7000.00} In conclusion, I respectfully request the CFPB to investigate these violations, enforce deletion of all inaccurate and inconsistent information, and ensure compensation is issued as authorized under FCRA 616 and 617 . These errors have caused measurable harm to my creditworthiness and consumer reputation.

Sincerely,

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