Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Reporting on Account # XXXX XXXX XXXX XXXX XXXX Demand for Permanent Deletion and Compensation Dear XXXX, Experian, and XXXX, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am submitting this formal dispute regarding inaccurate, unverifiable, and misleading information reported on my credit file for the account listed below. This letter is structured in the Automated Credit Dispute Verification ( ACDV ) format, as required under the e-OSCAR system, and demands a thorough investigation, correction, or permanent deletion of the disputed items. I also request compensation for damages caused by these inaccuracies, as permitted under 15 U.S.C. 1681n and 1681o.

Account Information * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment ( Unsecured Loan ) * Account Status : Transferred * Date Opened : XX/XX/XXXX ( Experian/XXXX  ) / XX/XX/XXXX ( XXXX  ) XXXX Balance : {$0.00} * Payment Status : * XXXX  : Late 60 Days * Experian : Late 30 Days * XXXX : Late 60 Days * Last Reported : XX/XX/XXXX ( XXXX  )/ XX/XX/XXXX ( XXXX ) XXXX Comments : Transferred to another lender or claim purchased; Sold to : XXXX * Date of Last Payment : XX/XX/XXXX ( XXXX  )/ XX/XX/XXXX ( XXXX/Experian ) * Date of Last Active : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX  )/ XX/XX/XXXX ( XXXX  ) Dispute Details and Violations The information reported on this account contains multiple inaccuracies and violates several provisions of the FCRA, FDCPA, Metro 2 , and XXXX  standards . Below, I outline each issue and the applicable laws : 1. Inaccurate Payment Status Reporting * Issue : The account is reported as Late 60 Days ( XXXX ) and Late 30 Days ( Experian ), despite the account being transferred with a {$0.00} balance. This is inconsistent and misleading, as a transferred account with no balance should not reflect delinquency.

* Violation : * FCRA 1681e ( b ) : Credit reporting agencies ( CRAs ) must maintain reasonable procedures to assure maximum possible accuracy. Inaccurate delinquency reporting violates this provision.

* FCRA 1681s-2 ( b ) : Furnishers are required to conduct a reasonable investigation and correct or delete unverified information. The conflicting delinquency statuses indicate a failure to verify.

* Metro 2 Compliance : The Account Status Code ( e.g., 97 for Transferred ) and Payment Rating are inconsistent with Metro 2 guidelines, which require accurate status reporting for transferred accounts.

* Case Law : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ), establishes that CRAs must correct inaccurate information upon dispute or face liability for failing to follow reasonable procedures. * Demand : Delete the delinquency status and update the account to reflect Transferred, Paid as Agreed
( Metro 2 Code 05 ).

2. Inconsistent Dates Across Bureaus * Issue : The Date Opened is reported as XX/XX/XXXX ( XXXXExperian ) and XX/XX/XXXX ( XXXX  ) . The Date of Last Payment and Date of Last Active also vary across bureaus, creating confusion and inaccuracy.

* Violation : * FCRA 1681c : Incorrect dates, such as the Date of First Delinquency ( DOFD ) or other key dates, violate the FCRAs requirement for accurate reporting.

* Metro 2 Compliance : Metro 2 requires consistent reporting of critical dates ( e.g., K4 segment fo
r XXXX ). Inconsistent dates indicate non-compliance.

* Case Law : Dalton v. Capital Associated Industries , Inc., 257 F.3d 409 ( 4th Cir. XXXX  ), holds that inaccurate reporting of dates constitutes a material violation of the FCRA.

* Demand : Verify and standardize all dates or delete the account entirely if unverifiable.

3. Misleading Comments and Transfer Details * Issue : The comments section notes Transferred to another lender or claim purchased and Sold to : XXXX, but the account continues to reflect delinquency, which is misleading. A transferred account should not report as delinquent unless verified. 
* Violation : * FCRA 1681i ( a ) : CRAs must reinvestigate disputed information and delete it if unverifiable within 30 days. 
* FDCPA 1692e : Reporting misleading information about a debts status violates the FDCPAs prohibition on false or deceptive representations.

* Wire Fraud ( 18 U.S.C. 1343 ) : Transmitting misleading or false data via e-OSCAR, an electronic system, may constitute wire fraud if done with intent to deceive.

* Case Law : Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. XXXX  ), confirms that furnishers must verify disputed information or delete it.

* Demand : Remove misleading comments and delinquency status or delete the account entirely.

4. Two-Year Payment History Discrepancies * Issue : The payment history shows inconsistent delinquency statuses ( e.g., 60 Days Late on XXXX 30 Days Late on Experian ) for the same months, violating Metro 2s requirement for consistent payment history reporting.

* Violation : * Metro 2 Compliance : The Payment History Profile must accurately reflect the accounts status per Metro 2 guidelines. Inconsistent reporting violates this standard.

* FCRA 1681s-2 ( b ) : Furnishers must correct inaccurate payment history after a reasonable investigation. 
* Case Law : Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( XXXX XXXX. XXXX ), holds furnishers liable for failing to correct inaccurate payment history after a dispute.

* Demand : Correct the payment history to reflect accurate status or delete the account.

5. Failure to Report Role Accurately * Issue : The account does not clearly indicate the furnishers role ( e.g., original creditor, debt buyer, or collector ) under Metro 2 guidelines.

* Violation : * FCRA 1681e ( b ) : CRAs must ensure accurate reporting of the furnishers role.

* Metro 2 Compliance : The Portfolio Type and Account Type fields must clearly identify the furnishers role.

* Demand : Update the account to accurately reflect the furnishers role or delete it.

Requested Actions Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation within 30 days and delete or correct any information that can not be verified. I demand the following : 1. Permanent Deletion : Delete the account ( # 4281 * * * * ) from my credit file across all three bureaus due to unverifiable and inaccurate information.

2. Correction of Inaccuracies : If the account is not deleted, correct all inaccuracies, including payment status, dates, comments, and payment history, to comply with Metro 2 and FCRA standards.

3. Compensation for Damages : Pursuant to 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), I seek compensation for damages caused by inaccurate reporting, including emotional distress, financial harm, and credit denials.

4. Proof of Investigation : Provide a detailed report of your investigation, including all communications with the furnisher ( e.g., XXXX ), as required under FCRA 1681i ( a ) ( 4 ).

5. Cease and Desist : Cease reporting this account to any third parties until the dispute is resolved, per FDCPA 1692c ( c ).

Additional Notes * Without Prejudice UCC 1-308 : I reserve all rights and remedies under the Uniform Commercial Code and applicable laws. 
* XXXX  Compliance : The Office of the Comptroller of the Currencys guidelines require accurate credit reporting. Non-compliance may be reported to regulatory authorities.

* e-OSCAR Violations : Transmitting false or misleading data through e-OSCAR may violate 18 U.S.C. 1343 ( wire fraud ). I reserve the right to escalate this matter to the appropriate authorities.

Supporting Documentation I have enclosed the following : * Copy of my government-issued ID * Proof of address ( utility bill ) * Copies of credit reports highlighting disputed items * Payment records showing the account was paid or transferred Contact Information Please send all correspondence to : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] Failure to comply with this dispute within 30 days, as mandated by FCRA 1681i ( a ), may result in legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages under 15 U.S.C. 1681n and 1681o.

Sincerely, [ Your Full Name ] [ Social Security Number, if required for verification ] Notes for Submission 1. Send via Certified Mail : Mail this letter to all three CRAs ( XXXX, Experian, XXXX  ) with return receipt requested to ensure proof of delivery.

2. Keep Copies : Retain copies of the letter and all supporting documents for your records.

3. Follow Up : If the CRAs fail to respond within 30 days, escalate the matter to the CFPB or consult an attorney specializing in FCRA/FDCPA violations. 
4. e-OSCAR Compliance : The ACDV format ensures compatibility with the e-OSCAR system, which CRAs use to process disputes.

This letter addresses all inaccuracies, cites relevant laws, and leverages case law to strengthen your position. It demands permanent deletion and compensation while ensuring compliance with Metro 2 and XXXX  standards. Let me know if you need assistance with follow-up actions or additional legal references! 
Reporting on Account # XXXXXXXX XXXX XXXX XXXX XXXX  Demand for Permanent Deletion and Compensation Dear XXXX, Experian, and XXXX, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am submitting this formal dispute regarding inaccurate, unverifiable, and misleading information reported on my credit file for the account listed below. This letter is structured in the Automated Credit Dispute Verification ( ACDV ) format, as required under the e-OSCAR system, and demands a thorough investigation, correction, or permanent deletion of the disputed items. I also request compensation for damages caused by these inaccuracies, as permitted under 15 U.S.C. 1681n and 1681o. 
Account Information * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Installment ( Unsecured Loan ) * Account Status : Transferred * Date Opened : XX/XX/XXXX ( Experian/XXXX  ) / XX/XX/XXXX ( XXXX  ) * Balance : {$0.00} * Payment Status : * XXXX  : Late 60 Days * Experian : Late 30 Days * XXXX  : Late 60 Days * Last Reported : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX ) * Comments : Transferred to another lender or claim purchased; Sold to : XXXXXXXX XXXX Date of Last Payment : XX/XX/XXXX ( XXXX  )/ XX/XX/XXXX ( XXXX/Experian ) * Date of Last Active : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX  )/ XX/XX/XXXX ( XXXX  ) Dispute Details and Violations The information reported on this account contains multiple inaccuracies and violates several provisions of the FCRA, FDCPA, Metro 2 , and XXXX  standards . Below, I outline each issue and the applicable laws : 1. Inaccurate Payment Status Reporting * Issue : The account is reported as Late 60 Days ( XXXX ) and Late 30 Days ( Experian ), despite the account being transferred with a {$0.00} balance. This is inconsistent and misleading, as a transferred account with no balance should not reflect delinquency.

* Violation : * FCRA 1681e ( b ) : Credit reporting agencies ( CRAs ) must maintain reasonable procedures to assure maximum possible accuracy. Inaccurate delinquency reporting violates this provision.

* FCRA 1681s-2 ( b ) : Furnishers are required to conduct a reasonable investigation and correct or delete unverified information. The conflicting delinquency statuses indicate a failure to verify.

* Metro 2 Compliance : The Account Status Code ( e.g., 97 for Transferred ) and Payment Rating are inconsistent with Metro 2 guidelines, which require accurate status reporting for transferred accounts.

* Case Law : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. XXXX ), establishes that CRAs must correct inaccurate information upon dispute or face liability for failing to follow reasonable procedures.

* Demand : Delete the delinquency status and update the account to reflect Transferred, Paid as Agreed ( Metro 2 Code 05 ).

2. Inconsistent Dates Across Bureaus * Issue : The Date Opened is reported as XX/XX/XXXX ( XXXXExperian ) and XX/XX/XXXX ( XXXX  ) . The Date of Last Payment and Date of Last Active also vary across bureaus, creating confusion and inaccuracy.

* Violation : * FCRA 1681c : Incorrect dates, such as the Date of First Delinquency ( DOFD ) or other key dates, violate the FCRAs requirement for accurate reporting.

* Metro 2 Compliance : Metro 2 requires consistent reporting of critical dates ( e.g., K4 segment for DOFD ). Inconsistent dates indicate non-compliance.

* Case Law : Dalton v. Capital Associated Industries , Inc., 257 F.3d 409 ( 4th Cir. XXXX ), holds that inaccurate reporting of dates constitutes a material violation of the FCRA.

* Demand : Verify and standardize all dates or delete the account entirely if unverifiable.

3. Misleading Comments and Transfer Details * Issue : The comments section notes Transferred to another lender or claim purchased and Sold to : XXXX, but the account continues to reflect delinquency, which is misleading. A transferred account should not report as delinquent unless verified.

* Violation : * FCRA 1681i ( a ) : CRAs must reinvestigate disputed information and delete it if unverifiable within 30 days.

* FDCPA 1692e : Reporting misleading information about a debts status violates the FDCPAs prohibition on false or deceptive representations.

* Wire Fraud ( 18 U.S.C. 1343 ) : Transmitting misleading or false data via e-OSCAR, an electronic system, may constitute wire fraud if done with intent to deceive.

* Case Law : Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( XXXX XXXX. XXXX ), confirms that furnishers must verify disputed information or delete it. 
* Demand : Remove misleading comments and delinquency status or delete the account entirely.

4. Two-Year Payment History Discrepancies * Issue : The payment history shows inconsistent delinquency statuses ( e.g., 60 Days Late on XXXX/XXXX, 3

0 Days Late on Experian ) for the same months, violating Metro 2s requirement for consistent payment history reporting. * Violation : * Metro 2 Compliance : The Payment History Profile must accurately reflect the accounts status per Metro 2 guidelines. Inconsistent reporting violates this standard. * FCRA 1681s-2 ( b ) : Furnishers must correct inaccurate payment history after a reasonable investigation. * Case Law : Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. XXXX  ), holds furnishers liable for failing to correct inaccurate payment history after a dispute.

* Demand : Correct the payment history to reflect accurate status or delete the account.


5. Failure to Report Role Accurately * Issue : The account does not clearly indicate the furnishers role ( e.g., original creditor, debt buyer, or collector ) under Metro 2 guidelines. * Violation : * FCRA 1681e ( b ) : CRAs must ensure accurate reporting of the furnishers role. * Metro 2 Compliance : The Portfolio Type and Account Type fields must clearly identify the furnishers role. * Demand : Update the account to accurately reflect the furnishers role or delete it. Requested Actions Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation within 30 days and delete or correct any information that can not be verified. I demand the following : 1. Permanent Deletion : Delete the account ( # XXXX XXXX XXXX XXXX XXXX ) from my credit file across all three bureaus due to unverifiable and inaccurate information.

2. Correction of Inaccuracies : If the account is not deleted, correct all inaccuracies, including payment status, dates, comments, and payment history, to comply with Metro 2 and FCRA standards.

3. Compensation for Damages : Pursuant to 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), I seek compensation for damages caused by inaccurate reporting, including emotional distress, financial harm, and credit denials.

4. Proof of Investigation : Provide a detailed report of your investigation, including all communications with the furnisher ( e.g., DCP ), as required under FCRA 1681i ( a ) ( 4 ).

5. Cease and Desist : Cease reporting this account to any third parties until the dispute is resolved, per FDCPA 1692c ( c ).

Additional Notes * Without Prejudice UCC 1-308 : I reserve all rights and remedies under the Uniform Commercial Code and applicable laws.

* XXXX  Compliance : The Office of the Comptroller of the Currencys guidelines require accurate credit reporting. Non-compliance may be reported to regulatory authorities. * e-OSCAR Violations : Transmitting false or misleading data through e-OSCAR may violate 18 U.S.C. 1343 ( wire fraud ). I reserve the right to escalate this matter to the appropriate authorities.

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