Consumer complaint received 2025-11-27 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: NJ

Complaint narrative:
To whom this may concern, This complaint concerns the continued reporting of an inaccurate, unverifiable, and nonMetro 2 compliant XXXX  XXXX account ending in XXXX XXXX XXXX XXXX XXXXXXXX on my TransUnion file ( File # XXXX ). I am requesting the Consumer Financial Protection Bureaus direct intervention and am demanding immediate deletion of this account due to multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards.

BASIS OF COMPLAINT TransUnions investigation results state the account was verified as accurate, yet also state that the furnisher updated information. Updating information during a verification is conclusive evidence that the prior data was inaccurate or incomplete. Despite this, the account remains on my report.

Additionally, the account is reporting information that is numerically impossible, procedurally noncompliant, and internally contradictory, all of which violate FCRA accuracy requirements ( 15 U.S.C. 1681e ( b ), 1681i ) and Metro 2 Format guidelines.

SPECIFIC VIOLATIONS 1. Metro 2 Violation Missing Dispute Code ( Compliance Condition Code XB ) This account is under active dispute with both TransUnion and the furnisher, yet no dispute notation appears.This violates : FCRA 623 ( a ) ( 3 ) duty to accurately report disputes Metro 2 Compliance Condition Code standardsA furnishers failure to report a dispute requires deletion.

2. Metro 2 Violation Impossible Charge-Off Amount ( >200 % of Credit Limit ) Reported credit limit : $ XXXXReported original charge-off : $ XXXXThis violates Metro 2 Data Congruence Rules ( Fields 12, 17, 43 ) .Such an imbalance is mathematically impossible and therefore not verifiable under FCRA. 
3. Metro 2 Violation Reporting a Post-Charge-Off Active BalanceAccount is listed as charged off, yet continues to report a changing balance ( {$310.00} ) .This violates : Metro 2 Field 21 ( Current Balance ) Charge-off reporting standards FCRA 607 ( b ) maximum possible accuracyA charged-off account can not legally reflect an accruing balance.

4. FCRA 611 Violation Verified but UpdatedTransUnion updated data fields after claiming the account was verified.Updating fields after verification indicates the initial data was inaccurate.This is a failed reasonable investigation under : FCRA 611 ( a ) ( 1 ) ( A ) CFPB Circular 2022-07 ( CRAs can not rely on unverified furnisher responses ) 5. FCRA 623 Violations Inaccurate FurnishingThe furnisher continues reporting : inconsistent numbers missing dispute coding inflated charge-off amounts balances that exceed the credit limit a changing postcharge-off balanceAll of this violates 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ).

6. FDCPA Validation Failure ( where applicable ) No documentation validating the debt, itemizing charges, or proving authorization for the balance exceeding the credit limit has ever been provided. 

REQUEST FOR CFPB ACTION Because the reported information is contradictory, impossible, and nonMetro 2 compliant and because neither TransUnion nor the furnisher has provided proof of verification I am demanding that the CFPB require TransUnion to : 1. DELETE the XXXX XXXX account from my TransUnion credit file in full, AND any and all other furnished information to Experian and Equifax in regards to this account ; and 2. Confirm that no future reporting of this account occurs without full, documented validation and Metro 2 compliant data.

Based on FCRA 611, 623, Metro 2 compliance requirements, and CFPBs own guidance regarding inadequate investigations, deletion is the only appropriate remedy. 

CLOSING The evidence demonstrates that the information furnished is inaccurate, numerically impossible, unverified, and noncompliant with required reporting standards. For these reasons, I request that the CFPB compel immediate deletion of the account and hold the furnisher and TransUnion accountable for these violations. 
I certify that all information in this complaint is true and accurate to the best of my knowledge. 

Respectfully, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

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