Consumer complaint received 2025-10-10 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate and unlawfully reported information currently listed on my Experian credit report. The information in question relates to alleged late payments reported by XXXX XXXX XXXX on account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which are inaccurate and in violation of federal regulations. 

Violations of FCRA & Metro 2 Guidelines : Upon review of my credit file, I have found the following compliance issues : 1. Violation of 15 U.S.C1666b Under the Fair Credit Billing Act ( FCBA ), creditors must provide at least 21 days between the statement date and the due date before a payment can be considered late. The reported late payments do not adhere to this requirement, as I was not given the legally required billing notice period.

2. Metro 2 Non-Compliance The reporting of this account does not align with Metro 2 data furnishing guidelines as outlined by the Consumer Data Industry Association ( CDIA ). Accurate and standardized data formatting is a requirement for furnishing data to this credit bureaus experian and XXXX, and in this case, the data furnished appears inconsistent, incomplete, and misleading. 
XXXX. Illegal Reinsertion of Previously Disputed Information I have previously disputed these entries, and the inaccurate information was removed. However, the data was illegally reinserted into my report without proper notice, as required under FCRA 611 ( a ) ( 5 ) ( B ). The law mandates that the credit bureau notify the consumer within five business days of reinserting any previously deleted information, which did not occur in my case Demand for Action : As a consumer protected under the Fair Credit Reporting Act and related laws, I am formally requesting that Experian and XXXX  should take the following actions : 1. Immediately remove the inaccurate late payment information from my credit report.

2. Provide documentation from the data furnisher verifying the accuracy of the reported information in accordance with Metro 2 standards. 
3. Deliver a full file disclosure, including : A copy of my complete credit file under FCRA 609 ( a ).

A history of all disputes filed in relation to the above-referenced account. 
All furnisher responses, investigation notes, and reinsertion notices associated with prior disputes. 

Notice of Intent : Please be advised that failure to correct these violations may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. I also reserve the right to pursue further legal remedies under the FCRA and FDCPA. 

I expect a full response and resolution of this matter within the 30-day investigation window, as required by the FCRA.

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