Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX ACCOUNT VIOLATION XXXX XXXX XXXX. Name Of Account : XXXX XXXX XXXX. Date Reported : Account Opened XX/XX/XXXX, Status as of XXXX XXXX. Metro 2 Compliance ( CRRG ) Violations : Violation A : Incomplete furnisher identification data - missing account identification number marked as No informado Violation B : Payment Rating code inconsistency with account status per CRRG guidelines requiring payment rating to reflect actual account standing 4. FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - Furnishing inaccurate information when furnisher knows or has reasonable cause to believe that the information is inaccurate 5. Legal Description & Grounds : FCRA Section 623 ( a ) ( 1 ) ( C ) requires that if at any time a person who regularly furnishes information determines that the information provided is not complete or accurate, the furnisher must provide corrections. The incomplete account identification renders this tradeline unverifiable and demands PERMANENT REMOVAL under FCRA 611 ( a ) ( 5 ). 
ACCOUNT VIOLATION XXXX XXXX XXXX. Name Of Account : XXXX XXXX. Date Reported : Account Opened XX/XX/XXXX, Status as of XXXX XXXX. Metro 2 Compliance ( CRRG ) Violations : Violation A : Current balance field showing No informado violates Metro 2 mandatory data field requirements Violation B : Account status code conflicts with payment history reporting structure 4. FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - Reporting incomplete consumer information 5. Legal Description & Grounds : FCRA Section 623 ( e ) prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. Missing critical balance information makes this account unverifiable, requiring PERMANENT DELETION under FCRA 611 ( a ) ( 1 ) ( A ). 
ACCOUNT VIOLATION XXXX XXXX XXXX  Name Of Account : XXXX. Date Reported : Account Opened XX/XX/XXXX, Status as of XXXX XXXX. Metro 2 Compliance ( CRRG ) Violations : Violation A : Account showing closed status but continuing monthly payment history reporting - violates Metro 2 account lifecycle reporting Violation B : Payment rating codes inconsistent with closed account status per CRRG standards 4. FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 2 ) - Continuing to report on accounts after notification of inaccuracy 5. Legal Description & Grounds : FCRA 611 ( a ) requires agencies to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. The contradictory account status information is factually impossible and demands IMMEDIATE PERMANENT REMOVAL. 
ACCOUNT VIOLATION XXXX XXXX XXXX. Name Of Account : XXXX. Date Reported : Account XXXX XX/XX/XXXX, Status as of XXXX XXXX. Metro 2 Compliance ( CRRG ) Violations : Violation A : High balance amount ( {$400.00} ) conflicts with current balance reporting structure Violation B : Account conditions field marked No informado violates mandatory Metro 2 data completeness requirements 4. FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( C ) - Failure to correct and update incomplete information 5. Legal Description & Grounds : FCRA Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) create Duty to Correct and Update Information requiring furnishers to provide complete accurate data. The incomplete and contradictory information violates accuracy standards and requires PERMANENT REMOVAL for non-compliance with federal reporting requirements.

ENFORCEMENT RECOMMENDATION : Each violation provides grounds for FCRA litigation under 15 U.S.C. 1681n ( willful non-compliance ) with statutory damages up to {$1000.00} per violation plus attorney fees. 
ACCOUNT VIOLATION XXXX XXXX XXXX Name Of Account : XXXX XXXX. Date Reported : Account Opened XX/XX/XXXX, Status as of XXXX XXXX. Metro 2 Compliance ( CRRG ) Violations : Violation A : Account identification number field showing No informado violates Metro 2 mandatory data field requirements for subscriber identification Violation B : Current balance field marked No informado conflicts with Metro 2 balance reporting structure requirements 4. FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - Furnishing incomplete information when furnisher has duty to provide complete and accurate data 5. Legal Description & Grounds : FCRA Section 623 ( a ) ( 1 ) ( C ) mandates furnishers must provide corrections when information is determined to be incomplete or inaccurate. The missing critical identification data renders this tradeline unverifiable and demands PERMANENT REMOVAL under FCRA 611 ( a ) ( 5 ) ( A ). 
ACCOUNT VIOLATION XXXX XXXX XXXX. Name Of Account : XXXX XXXX Account # XXXX ) 2. Date Reported : Account Opened XX/XX/XXXX, Status as of XXXX XXXX. Metro 2 Compliance ( CRRG ) Violations : Violation A : Credit limit field showing No informado violates Metro 2 credit limit reporting requirements Violation B : Account identification structure contains non-standard alphanumeric format inconsistent with Metro 2 account number formatting standards 4. FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 2 ) - Continuing to report incomplete consumer information after establishment 5. Legal Description & Grounds : FCRA 611 ( a ) requires complete reinvestigation when disputed information lacks verifiable data points. The incomplete credit limit information and non-standard account formatting violates accuracy standards requiring IMMEDIATE PERMANENT DELETION. 
ACCOUNT VIOLATION XXXX XXXX XXXX. Name Of Account : XXXX XXXX ( Account # XXXX ) 2. Date Reported : Account Opened Ene 2025, Status as of XXXX XXXX Metro 2 Compliance ( CRRG ) Violations : Violation A : Account conditions field marked No informado violates mandatory Metro 2 account status reporting Violation B : Credit limit showing {$150.00} but current balance reporting structure shows conflicting payment history data 4. FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( C ) - Failure to maintain complete and accurate account information 5. Legal Description & Grounds : FCRA Sections 623 ( a ) ( 1 ) ( A ) creates Duty to Provide Complete Information requiring all mandatory fields be populated with accurate data. The incomplete account conditions field makes verification impossible, requiring PERMANENT REMOVAL for Metro 2 non-compliance. 
ACCOUNT VIOLATION # XXXX XXXX. Name Of Account : XXXXXXXX XXXX XXXXXXXX. ( Account # XXXX ) 2. Date Reported : Account Opened XX/XX/XXXX, Status as of XXXX XXXX. Metro 2 Compliance ( CRRG ) Violations : Violation A : Account identification field showing No informado violates Metro 2 subscriber identification requirements Violation B : Payment received field showing {$460.00} as of XX/XX/XXXX conflicts with standard Metro 2 payment amount formatting protocols 4. FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - Reporting inaccurate consumer information with incomplete data fields 5. Legal Description & Grounds : FCRA Section 623 ( XXXX ) prohibits furnishers from providing information they know or have reasonable cause to believe is inaccurate. The missing identification data and non-standard payment formatting renders this account unverifiable, demanding PERMANENT DELETION under FCRA 611 ( a ) ( 1 ) ( A ). 
ACCOUNT VIOLATION XXXX XXXX XXXX. Name Of Account : XXXX XXXX XXXX ( Account # XXXX ) 2. Date Reported : Account Opened XX/XX/XXXX, Status as of XXXX XXXX. Metro 2 Compliance ( CRRG ) Violations : Violation A : Current balance field showing No informado violates Metro 2 mandatory balance reporting requirements Violation B : Account responsibility field contains incomplete consumer status information 4. FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( C ) - Furnishing incomplete information without proper correction procedures XXXX. Legal Description & Grounds : FCRA requires furnishers to provide complete and accurate information for all reported accounts. The missing balance information creates an unverifiable tradeline requiring PERMANENT REMOVAL for failure to meet federal reporting standards. 
ACCOUNT VIOLATION XXXX XXXX XXXX. Name Of Account : XXXX XXXX Account # XXXX ) 2. Date Reported : Account Opened XXXX XXXX, Status as of XXXX XXXX. Metro 2 Compliance ( CRRG ) Violations : Violation A : Account identification field marked No informado violates Metro 2 subscriber identification protocols Violation B : Current balance field showing No informado conflicts with Metro 2 balance reporting structure 4. FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - Systematic furnishing of incomplete consumer information 5. Legal Description & Grounds : FCRA Section 623 ( a ) ( 1 ) ( C ) creates mandatory duty to correct and update information when incomplete data is identified. The systematic absence of critical identification and balance data violates federal accuracy requirements, demanding IMMEDIATE PERMANENT DELETION under FCRA 611 ( a ) ( 5 ). 
TOTAL ENFORCEMENT SUMMARY : 10 accounts with multiple FCRA/Metro 2 violations providing grounds for statutory damages up to {$10000.00} plus attorney fees under 15 U.S.C. 1681n for willful non-compliance with federal reporting standards.

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