Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX XXXX XXXX | XXXX : XX/XX/XXXX Date : XX/XX/XXXX Respondent : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Complaint Violations of FCRA 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ) ; Inaccurate and Inconsistent Metro 2 Reporting XXXX XXXX XXXX XXXX XXXX XXXX Accounts Summary of Complaint Experian is reporting multiple Metro 2 data inconsistencies and factual inaccuracies regarding my revolving accounts with XXXX XXXX XXXX and XXXX XXXX. 
These inaccuracies include contradictory payment statuses, invalid or misaligned activity dates, and missing verification fields ( XXXX, Date of Last Activity, and Payment Rating ) when compared to TransUnion and Equifax. 

Despite prior disputes, Experian has failed to correct or verify these data discrepancies as required under the Fair Credit Reporting Act ( FCRA ). 
I request that the Consumer Financial Protection Bureau ( CFPB ) compel Experian to provide documentary verification from the furnishers or delete the unverifiable information in accordance with federal law. 



* * A. XXXX  XXXX XXXX Account Closed Revolving Account ( Account ending in * * XXXX ) Facts observed in credit reports : TransUnion : Account closed ; balance {$0.00} ; Paid or paying as agreed ; dates updated XX/XX/XXXX. 
XXXX  : Account closed ; balance {$0.00} ; Pays account as agreed. 
Experian : Account closed ; however, Paid, 90 days past due still appears. Dates of closure and last verification are inconsistent ( XX/XX/XXXX vs XX/XX/XXXX ). 

Disputed Fields ( Experian ) : Account/Pay Status : Closed can not coexist with 90 days past due. 
Date of Last Activity / Last Verification / Date Closed : inconsistent with other CRAs and furnisher data. 
Payment History grid : displays a 90-day delinquency not confirmed by TU or EQF. 

Violations : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to maintain maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) Inadequate reinvestigation of disputed information. 
FCRA 623 ( a ) ( 1 ) ( A ) Furnisher duty to report accurate data. 

Requested Resolution : Experian must obtain documentation from XXXX  XXXX XXXX supporting every disputed data field. 
If no proof exists, Experian must correct the payment status to reflect Closed Paid as Agreed or delete the derogatory data entirely. 



* * B. XXXX XXXX Account Open Revolving Account ( Account ending in * * XXXX ) Facts observed in credit reports : XXXX XXXX XXXX  : Account open ; Pays as agreed ; dates of activity XX/XX/XXXX. 
Experian : Account open ; XXXX, was 30 days late twice ; Date of XXXX XXXX incorrectly reported as XX/XX/XXXX, which is an invalid date format and inconsistent with other CRAs. 

Disputed Fields ( Experian ) : Payment Rating / Pay Status : XXXX XXXX late indicators not reflected in TU or EQF. 
Date of Last Activity ( XXXX ) : Invalid entry XX/XX/XXXX ( impossible month ). 
XXXX and reporting cycle : Misaligned across CRAs. 

Violations : FCRA 607 ( b ) Accuracy obligation.

FCRA 611 Reinvestigation requirement.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers duty to report accurate information. 

Requested Resolution : Experian must correct Payment Rating, XXXX, and XXXX fields to match verified XXXX  XXXX data. 
If documentation can not be produced, remove all 30-day late references from this tradeline. 



XXXX Damages and Consumer Impact Due to these Experian-exclusive inaccuracies : My Experian score ( XXXX ) is significantly lower than my XXXX ( XXXX ) and XXXX ( XXXX ) scores. 
This differential has led to adverse credit decisions and higher interest rate offers, directly harming my financial reputation. 



XXXX Prior Contact and Failure to Correct I have previously submitted written disputes requesting Experian to mark these items as in dispute by consumer pursuant to FDCPA 807 ( 8 ) / 15 U.S.C. 1692e ( 8 ) and FCRA 611 ( a ) ( 3 ).

Experians reinvestigation responses failed to address the specific field-level errors or to provide documentation from the furnishers. 



XXXX. Requested CFPB Action I respectfully request that the CFPB require Experian to : 1. Conduct a full field-level verification of all disputed data directly with XXXX  XXXX  XXXX and XXXX XXXX. 
2. Provide documentary evidence for each verified field or delete unverifiable information. 
3. Correct or delete inconsistent Pay Status, XXXX XXXX and 30/60/90-day indicators immediately.

4. Ensure that the affected tradelines remain flagged as disputed until final resolution. 
5. Provide written confirmation of corrections and furnish copies of the furnisher responses used in the reinvestigation.

F. Evidence Attached 1. Comparative credit report screenshots ( XXXX XXXX XXXX XXXX XXXX XXXX ) highlighting inconsistent data across XXXX Experian, and XXXX. 
2. Copies of previous dispute letters sent to Experian. 
XXXX. Copy of my government-issued ID and proof of address.

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