Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
RE : Formal CFPB Complaint Furnishers and Bureaus Reporting Inaccurate, Unverifiable, and Contradictory Information in Violation of FCRA & Metro 2 Standards Dear CFPB Representative, I am filing a formal complaint against the following entities for furnishing false, inconsistent, and unverifiable credit information to the nationwide credit reporting agencies, as well as for failing to correct these errors after I submitted formal disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX Despite following the proper dispute process with the credit bureaus under FCRA 611, both creditors and the credit bureaus verified inaccurate information without providing evidence, documentation, or correction, in violation of the Fair Credit Reporting Act and Metro 2 standards. I am requesting the CFPBs assistance in compelling the furnishers and bureaus to correct or delete the inaccurate data immediately.

PART 1 XXXX XXXX ( Account Ending XXXX ) Summary of Violations 1. Illegal Unknown payment history reporting for 4+ years The account reports X / unknown for every month from XXXX. 
This violates : FCRA 607 ( b ) accuracy requirement FCRA 602 ( A ) data must be complete Metro 2 standards unknown is not a permissible monthly payment code on a closed charge-off account This alone is grounds for deletion.

2. Contradictory and impossible account status The account reports : Paid in Full / Was a Charge-off AND Settled for Less Than Full Balance Both can not be simultaneously true.

Violates : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 607 ( b ) information must be consistent 3. Credit limit and high balance both reported as {$0.00} This is factually wrong for a revolving credit card and misleads scoring algorithms.

Violates : FCRA 609 ( a ) ( 2 ) full itemization must be available Metro 2 data fields for revolving tradelines 4. Payment history continues years after account closure The account was closed in XX/XX/XXXX, yet monthly history continues through XX/XX/XXXX. 

Violates : FCRA 623 ( a ) ( 2 ) duty to update information accurately Metro 2 closed-account reporting rules Requested CFPB Action for XXXX I request that the CFPB compel XXXX XXXX to either : Produce documentation proving the accuracy of : Payment history Status codes High balance Credit limit Closed date and updated date OR Immediately delete the account from all three credit bureaus for unverifiable and contradictory reporting.

PART 2 XXXXXXXX XXXX XXXX XXXX XXXX ( Account Ending XXXX ) Summary of Violations 1. Balance exceeds credit limit Reported : Balance : {$590.00} Limit : {$500.00} This violates : Metro 2 revolving charge-off requirements FCRA 607 ( b ) accuracy A creditor may only report a balance higher than the limit if itemized contractual fees are documented, which XXXX XXXX has not provided. 



2. Account Date Updated reaging the debt The Date Updated shows : XX/XX/XXXX, despite last payment being : XX/XX/XXXX This artificially extends negative activity and misrepresents the accounts timeline.

Violates : FCRA 623 ( a ) ( 2 ) reaging prohibition FCRA 611 ( a ) failure to reinvestigate properly 3. High balance reported for years after account closure XXXX XXXX  reports a high balance from XXXX, even though the account was closed in XXXX, which is impossible. 

Violates : FCRA 623 ( a ) accuracy Metro 2 compliance rules 4. Missing and incomplete payment history Payment history is absent for several years, which makes the reporting incomplete and misleading.

Violates : FCRA 602 ( A ) FCRA 607 ( b ) Metro 2 completeness standard Requested CFPB Action for XXXX XXXX I request that the CFPB require XXXX XXXX
to : Provide verifiable documentation of : Actual balance at charge-off Itemized fees Accurate dates Complete payment records OR Delete the account in full for supplying unverifiable and incomplete information.

PART 3 Failures by Experian, XXXX and XXXX  All three credit bureaus verified the disputed information without providing any supporting documentation, which violates : FCRA 611 ( a ) ( 1 ) ( A ) reinvestigation requirement FCRA 611 ( a ) ( 6 ) ( B ) required to disclose Method of Verification FCRA 607 ( b ) must ensure maximum possible accuracy The bureaus have adopted the creditors incorrect data without conducting a real investigation.

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