Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX -- - RE : FORMAL FCRA & METRO 2 DISPUTE XXXX XXXX ( Auto Loan XXXX ) INCLUDING : Inaccurate Status, Inaccurate Late Payment, Unlawful Reporting of Repossessed/ Redeemed Vehicle, Incomplete/Contradictory Data , and CRA Reinsertion/Verification Violations AND : Dispute of Hard Inquiries Without Permissible Purpose -- - I. SUMMARY OF DISPUTED ITEMS XXXX XXXX XXXX XXXX XXXX Tradeline is inaccurate and not reported per FCRA or Metro 2 Your report ( as of XX/XX/XXXX ) shows : XXXX XXXX late in XX/XX/XXXX Comment : Redeemed repossession Account Status : OPEN Balance : {$16000.00} Last payment date : XX/XX/XXXX Payment due : XX/XX/XXXX Repo date documented : XX/XX/XXXX These entries contradict each other and violate multiple federal reporting standards. 


-- - II. FACTUAL ERRORS ( Not an Identity Theft Claim ) 1. The XXXX late is chronologically impossible Payment was due XX/XX/XXXX. 

Vehicle was repossessed XX/XX/XXXX only 27 days later. 

A 30-day delinquency requires 30 full days past due. 
Therefore : It is mathematically impossible for an XXXX XXXX delinquency to exist.

This is a textbook FCRA 607 ( b ) violation.

-- - 2. Experian is reporting both : Redeemed repossession and Account Status : XXXX XXXX XXXX forbids these XXXX from existing simultaneously. 

A redeemed repossession requires the account to be : Status Code = 05 ( Paid/Closed ) OR updated to reflect a reinstated loan with code 11 ( current ).

Experian is displaying : OPEN + REDEEMED REPO = impossible combination.

-- - 3. Payment history is missing, incomplete, and out of sequence Metro 2 Base Segment fields are required monthly. 

Your current file shows : No reporting for XXXX A single XXXX in XXXX Blank for XXXX despite a reported XX/XX/XXXX payment No Payment Rating codes This violates : FCRA 623 ( a ) ( 1 ) ( A ) Metro 2 : Reporting Logic Integrity Rules FCRA 607 ( b ) ( CRA duty to maintain accuracy ) -- - 4. Balance and redemption coding contradict each other If the vehicle was redeemed : The balance must reset or reflect reinstatement Comments should align with loan status Status can not remain Open with repo comment Misalignment = Metro 2 Compliance Condition Code violation -- - III. LEGAL BASIS FOR DISPUTE A. FCRA 607 ( b ) Experian must maintain maximum possible accuracy The tradeline clearly fails this requirement. B. FCRA 611 Right to dispute & reinvestigation You have provided evidence and date-sequence logic that proves the report is inaccurate.

C. FCRA 623 ( a ) Furnishers may not report information they know ( or should know ) is inaccurate The XXXX late is impossible. XXXX had the actual payment history and dates. 

D. Metro 2 Standards Required by CFPB and CDIA for accurate reporting Experian can not accept a tradeline with contradictory or logically inconsistent data.

-- - IV. REQUIRED ACTION Under FCRA 602, 607 ( b ), 611, and 623 ( a ) : I demand the following corrections or deletion : 1. Delete the XXXX XXXXday late it is chronologically impossible.

2. Correct or delete the Redeemed repossession comment if the account is Open. 


3. Correct the payment history ( missing XXXX data ). 


4. Correct the account status or remove inconsistent coding.

5. If Experian can not VERIFY each field individually per 611 ( a ) ( 5 ) ( A ) : DELETE the tradeline.

-- - V. HARD INQUIRY DISPUTE I dispute the following inquiries for lack of permissible purpose under FCRA 604 ( a ) ( 3 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX If no credit application exists OR if the inquiry was mis-coded as a hard pull instead of a soft rate-shopping pull, Experian must delete or recode.

-- - VI. ATTACHED EXHIBITS ( FOR EXPERIAN ) Exhibit A : Current Experian report ( XX/XX/XXXX ) Exhibit B : XXXX account data as reported Exhibit C : Timeline chart Exhibit D : Payment due date + repo date proof Exhibit E : Experian reinvestigation denial notice Exhibit F : Inquiry list -- - VII. CONCLUSION / FINAL NOTICE If Experian can not verify each field individually, as required under : FCRA 611 ( a ) ( 5 ) ( A ) FCRA 607 ( b ) Metro 2 Format Manual then Experian must DELETE the tradeline entirely.

I request final resolution in writing. 

Sincerely, XXXX XXXX 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