Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
Re : Formal Dispute of Inaccurate/Incomplete Credit Reporting Report Date : XX/XX/XXXX NOTICE OF DISPUTE & DEMAND FOR CORRECTION This correspondence constitutes a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ) where applicable, and Regulation V / Metro 2 guidelines. I hereby demand that Experian conduct a lawful reinvestigation of the below-referenced tradelines and inquiries.

The information reported is inaccurate, incomplete, misleading, and/or unverifiable in violation of : FCRA 607 ( b ) duty of maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) duty to reinvestigate disputed items FCRA 611 ( a ) ( 5 ) ( A ) duty to delete unverifiable data FCRA 605 ( a ) prohibition against obsolete or re-aged debts FDCPA 807 ( 8 ) false/misleading representation of legal status Metro 2 incorrect coding of account status, payment history, compliance condition codes Further, under XXXX XXXX TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ), Experian must obtain independent verification from original account-level documents ( ledgers, statements, payment posting records ) not merely automated codes from furnishers. 
Disputed Tradelines ( Experian ) XXXX. XXXXXXXX XXXX XXXX Acct # XXXX o Reported both Open Collection and Charge Off simultaneously. 
o Conflicting Last Activity dates ( XX/XX/XXXX vs. XX/XX/XXXX ). 
o Metro 2 Violations : Field 17A ( Account Status ) ; Field XXXX ( Date of Account Information ). 
XXXX. XXXX XXXX XXXX Acct # XXXX o Account Information Disputed remark present, yet derogatory status continues to report. 
o Conflicting Last Activity dates ( XX/XX/XXXX vs. XX/XX/XXXX ). 
o Metro 2 Violations : Improper suppression of dispute code ( Field 71 ). 
XXXX. XXXX XXXX XXXX Acct # XXXX o Shows 0 % payments on time with Monthly Payment = {$0.00}. 
o XXXX to XX/XX/XXXX despite original delinquency years prior. 
o Metro 2 Violations : Field 25 ( Payment Rating ) ; Field 71 ( Compliance Condition Code ). 
XXXX. XXXX XXXX XXXX Acct # XXXX o Duplicate collection placement with conflicting balances and statuses. 
o FCRA XXXX ( b ) : Inconsistent reporting. 
XXXX. XXXX XXXX XXXX Acct # XXXX o Original Creditor = XXXX XXXX  but reported Open with {$0.00} monthly payment. 
o Balance inconsistencies ( High Balance {$460.00} vs. {$300.00} ). 
XXXX. XXXX XXXX XXXX Acct # XXXX o High Balance {$1000.00} vs. Unpaid Balance {$1600.00}. 
o Re-aged derogatory reporting to XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX Acct # XXXX o Same as above : contradictory Placed for Collection vs. Charge Off codes.

o Unpaid balance misreported. 
XXXX. XXXX XXXX XXXX Acct # XXXX o Reporting XXXX activity despite account opened in XXXX, last activity XXXX. 
o FCRA 605 ( a ) : Prohibited re-aging. 
XXXX. XXXX XXXX XXXXXXXX Acct # XXXX o Different High Balance ( {$970.00} vs. {$1000.00} ) and delinquency counters across bureaus. 
o Duplicate remarks ( Charged Off Account vs. Closed at Creditors Request ). 
XXXX. XXXX XXXX Acct XXXX XXXX XXXX XXXX remarks : Charged Off Account XXXX. Unpaid Balance Reported As Loss. 
o Metro 2 Field 17A mis-coded. 
XXXX. XXXX XXXX Acct # XXXX o XXXX XXXX XXXX coding ( XXXX vs. XXXX ). 
o Different Last Activity dates ( XX/XX/XXXX vs. XX/XX/XXXX ). 
XXXX. XXXX XXXX Bank Acct # XXXX o XXXX date XXXX, last activity XXXX, but derogatory data extended to XXXX. 
o High Balance inconsistencies ( {$600.00} vs. {$610.00} ).

o FCRA 605 ( a ) : Illegal re-aging.

Disputed Inquiries ( Experian ) The following inquiries are unauthorized and not tied to any active, open, or positive accounts : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FCRA 604 / 607 ( b ) : Permissible purpose required; absent written authorization

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