Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the immediate removal of the following account from my credit report due to clear violations of the Metro 2 format and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Upon reviewing my credit report, I have identified two significant inaccuracies that contravene federal credit reporting standards : Late Payments Reported After Account Closure The account was closed on XX/XX/XXXX, as evidenced by payment summary indicating " XXXX '' status. However, my credit report reflects late payments reported after this date, including [ XXXX XXXX XXXX XXXX XXXX, e.g., a XXXX late payment in XX/XX/XXXX ]. The XXXX XXXX format, established by the Consumer Data Industry Association ( CDIA ), mandates accurate reporting of account statuses, requiring that delinquency reporting cease once an account is closed. The continued reporting of late payments post-closure is a direct violation of these standards. Furthermore, under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy '' of the information in consumer reports. Reporting late payments after the accounts closure fails to meet this legal requirement. 



Illegal Deletion and Reinsertion of the Account The account was previously removed from my credit report on XX/XX/XXXX, following a successful dispute. However, it was reinserted without my knowledge or consent. This reinsertion occurred without proper notification or certification of accuracy, violating FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which prohibits the reinsertion of previously deleted information unless the furnisher certifies its accuracy and the consumer is notified in writing within five business days. No such notification or certification was provided to me, rendering this reinsertion illegal.

These inaccuracies not only misrepresent my credit history but also constitute violations of both the Metro 2 format and FCRA regulations : FCRA 15 U.S.C. 1681e ( b ) : The reporting of late payments after the account was closed and the failure to maintain accurate account status information breach the requirement for maximum possible accuracy. 


Metro 2 Format Standards : The continued delinquency reporting post-closure and the improper reinsertion of the account violate the standardized reporting protocols designed to ensure consistency and precision in credit data.

FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : The lack of notification and certification prior to reinsertion further compounds these violations.

In light of these issues, I demand the immediate and permanent removal of this account from my credit report. Additionally, I request written confirmation of the deletion within 30 days of receipt of this letter. Please note that I have retained copies of my credit report and related documentation to substantiate my claims, which I can provide upon request.

Should you fail to address this matter promptly and in accordance with federal law, I will pursue all available remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages for willful noncompliance under the FCRA. 

Thank you for your immediate attention to this urgent matter. I look forward to your prompt response and resolution.

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