Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint addresses Experians continued failure to accurately report and investigate inaccuracies related to a XXXX account ( Account # XXXX ). These failures are in direct violation of the FCRA, Metro 2 standards, and XXXX guidelines. 

Detailed Violations and Legal Context FCRA 1681e ( b ) - Failure to Ensure Maximum Possible Accuracy Experian inaccurately reports the account as a charge-off despite its resolution. Under Metro 2 standards, this account should reflect Code XXXX ( Account Paid in Full for Less than Full Balance ) and include Special Comment Code AU. 
Legal Precedent : In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), the court held that the accuracy requirement under FCRA 1681e ( b ) obligates CRAs to ensure the integrity of the information reported. Experians ongoing inaccuracies violate this mandate. 

FCRA 1681i ( a ) ( 5 ) ( A ) - Failure to Delete Inaccurate Information Despite multiple disputes, Experian failed to delete or correct the XXXX account. The FCRA requires deletion of unverifiable or inaccurate information after a reinvestigation. 
Metro 2 Standards : Non-Compliant Payment History Experian has improperly reported CO ( Charge-Off ) in Field XXXX ( Payment History Profile ) beyond the accounts resolution date, violating Metro 2 and XXXX guidelines . 
XXXX Guidelines : Lack of Timely Updates Experian has failed to update the account status in a timely manner, as required under Section 2 of the XXXX Metro 2 Reporting Guidelines, which emphasizes prompt and accurate reporting. 
Harm Caused to the Consumer These inaccuracies have caused financial harm, including higher interest rates and denial of credit opportunities. Experians repeated failures undermine my ability to maintain a fair credit profile. 

Requested Resolutions for Experian Immediate Deletion of the XXXX Account Experians repeated violations necessitate immediate deletion of this account. 
Audits and Training Experian must implement internal audits and compliance training to prevent future violations. 
Provide a Corrected Credit Report A revised report reflecting the deletion of the XXXX account must be provided. 

In conclusion, Experian has failed to fulfill its legal obligations under the FCRA, Metro 2 standards, and XXXX guidelines in its handling of the XXXX account ( Account # XXXX ). These violations are not only a breach of statutory requirements but also a failure to provide accurate and fair credit reporting, resulting in significant harm to me as a consumer. 

Experian has failed to : Correctly classify the account using Metro 2 codes, including Code XXXX ( Account Paid in Full for Less than Full Balance ) and Special Comment Code AU ; Properly cease derogatory reporting, such as CO ( Charge-Off ), in the Payment History Profile after the account was resolved, as required by XXXX guidelines XXXX Apply Code XXXX  ( Account Closed, Paid, and No Longer Reportable ) to ensure the account is no longer being reported ; Conduct a meaningful investigation of the disputes I submitted, instead relying on insufficient automated processes, in violation of FCRA 1681i ( a ) ( 1 ) ( A ). 
The inaction and negligence by Experian directly conflict with the courts findings in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), which reaffirm the requirement for credit reporting agencies to ensure maximum possible accuracy. 

Given these violations and their impact on my credit standing, I respectfully request the CFPB to compel Experian to : Immediately delete this account from my credit file, as it is rendered unreportable by their non-compliance with FCRA and Metro 2 standards ; Initiate internal audits and process improvements to prevent such violations from recurring ; Provide a corrected credit report, reflecting the deletion of the XXXX account. 
These corrective measures are the only acceptable resolution to address the harm caused by Experians failures.

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