Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
CFPB Complaint Experians Continued Reporting Violations for Closed XXXX  Account Date : XX/XX/XXXX Consumer : XXXX XXXXXXXX XXXX : Experian Furnisher : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
Account Opened : XX/XX/XXXX Paid in Full / Closed : XX/XX/XXXX Status in Report : Paid, Closed. {$490.00} written off Disputes Filed : At least XXXX separate disputes submitted between late XXXX and XX/XX/XXXX Summary of Complaint : Experian continues to materially misreport the above-referenced XXXX credit account in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards, despite multiple formal disputes over the past 67 months. I have exhausted every normal resolution method, and Experian has refused to correct or delete inaccurate information demonstrating a pattern of willful noncompliance.

Specific Issues and Violations : 1. Status Misrepresentation : The account is still reported as Paid, Closed. {$490.00} written off even though it was paid in full on XX/XX/XXXX. This phrase implies a remaining loss or deficiency, which is false and misleading to creditors and violates FCRA 1681e ( b ) and Metro 2 guidelines on final account disposition.

2. Improper Reporting of Charge-Off Months : Experian continues to reflect 50 consecutive months of CO ( Charge-Off ) status from early XXXX through XX/XX/XXXX, even though payments were made in part throughout XXXX and XX/XX/XXXX, and the account was fully settled in XXXX. This is a clear distortion of my actual payment behavior. 
XXXX. Missing Payment Activity : Despite partial payments made in XXXX and XX/XX/XXXX, the reported balance remains unchanged ( {$490.00} ), with no reflection of payment activity violating the requirement under Metro 2 Field 17 ( Actual Payment Amount ) and FCRA 1681s-2 ( b ).

4. Erroneous Transaction Notation : For both XXXX and XX/XX/XXXX, the balance section says Paid on XX/XX/XXXX, which is irrelevant, incorrect, and confusing. This is either a data integration error or fabrication, and further undermines Experians credibility in dispute handling. 
XXXX. No DOFD Provided : Experian is reporting a charge-off without listing a Date of First Delinquency ( DOFD ), which is mandatory under FCRA 623 ( a ) ( 5 ). This makes it impossible to verify or challenge the time-based accuracy of the derogatory reporting.

6. Incomplete or Conflicting Data : The report omits basic required Metro 2 fields such as : Credit usage Monthly payment Terms Original creditor name Scheduled payments and reinvestigation notes that contradict each other Systemic Harm and Bad Faith Pattern : Experian has demonstrated a repeated and reckless failure to comply with its legal obligations to conduct meaningful investigations under FCRA 1681i, despite overwhelming documentary evidence. Its reliance on automated furnisher verifications without correcting obvious data violations constitutes gross negligence or willful intent.

This tradeline is actively suppressing my creditworthiness and preventing fair access to financial products. 



Requested Resolution : I demand : Permanent deletion of the XXXX account from my Experian file A written explanation of why these errors persisted after multiple disputes Confirmation of removal within 15 days Referral to regulatory counsel or third-party Metro 2 audit if Experian refuses to comply Notice of Legal Consequences : If Experian continues to report this account in violation of FCRA and Metro 2 , and fails to comply within 15 business days, I reserve the right to : Pursue a private right of action under FCRA 1681n and 1681o Seek statutory and actual damages, including for credit denials and reputational harm File formal complaints with the FTC, State Attorney General, and Congressional Consumer Protection Subcommittee Request a civil Metro 2 audit of Experians account-handling practices through a consumer rights attorney You are now formally on notice!

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