Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was incarcerated when this account was open please review the documents XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX ( Last Four ) : XXXX Date : XX/XX/XXXX Experian P.O. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Reporting and Metro 2 Compliance Violations Re : XXXX CARD Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute the accuracy, integrity, and legality of the XXXX CARD tradeline ( Account ending in XXXX ) being reported on my credit file. This letter serves as my official notice and demand for full reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Metro 2 Compliance Standards used by all consumer reporting agencies. 1. Inaccurate and Inconsistent Reporting This account is being reported with multiple data errors and Metro 2 inconsistencies, including : - Balance of {$6000.00} exceeding the credit limit of {$5000.00} on a closed account. - Monthly payment of {$190.00} reported despite the account being closed. - Payment history re-aged after a verified payment on XX/XX/XXXX. - Closed status reported with XXXX days late simultaneously. - Missing Date of First Delinquency ( DOFD ). - Duplicate remarks Dispute resolved subscriber disagrees. - Improper charge-off reporting inconsistent with Metro 2 and IRS standards.- Balance reported after dispute resolution without verification. Each of these violates 15 U.S.C. 1681e ( b ) and Metro 2 data fields 12, 18, 21, 22, 25, and 71. 2. Reinsertion Without Notice FCRA 611 ( a ) ( 5 ) ( B ) This account appears to have been reinserted without the legally required written notice within five business days, violating FCRA 611 ( a ) ( 5 ) ( B ). If this account was previously deleted, it can not be re- reported without proper certification and prior notice. 3. Demand for Full Method of Verification FCRA 611 ( a ) ( 7 ) Under FCRA 611 ( a ) ( 7 ), I request the complete method of verification used during your reinvestigation, including : - The name and contact of the individual contacted at the furnisher. - Documentation or evidence provided to substantiate this account. - The verification process or system used. 4. Prohibition Against e-OSCAR and Automated Verification As ruled in XXXXXXXX XXXX XXXX XXXXXXXX, 115 F.3d 220 ( 3d Cir. XXXX ), a credit bureau must perform a meaningful reinvestigation, not rely on automated systems like XXXX. Therefore, this dispute must be handled by a trained compliance investigator under FCRA 1681i ( a ) ( 1 ) ( A ) and Metro 2 reinvestigation standards, not through e-OSCAR. 5. Metro 2 and IRS Compliance Violations Under Metro 2 guidelines, closed or charged-off accounts must : - Accurately reflect status using correct Account Status Code ( 97 for charge-off ). - Include DOFD on all derogatory accounts. - Avoid duplicate remarks or compliance codes.- Maintain consistency across fields and cycles. Under IRS Publication 535 and 26 U.S.C. 6050P, a charge-off represents an accounting decision by the creditor, not proof of collectibility or accuracy. Reporting inflated or unverifiable balances after charge-off violates FCRA 623 ( a ) ( 1 ) ( A ). 6. Demand for Deletion or Correction Within 14 Days Because this information is incomplete, inconsistent, and reinserted without notice, I demand immediate deletion or full correction within 14 days of receipt of this letter. Failure to comply constitutes willful noncompliance under 15 U.S.C. 1681n and 1681o and will result in escalation to the CFPB and XXXX Attorney General s Office. Requested Actions : 1. Delete the XXXX XXXX tradeline or provide corrected proof. 2. Provide written documentation of the method of verification. 3. Cease e-OSCAR use and ensure manual Metro 2-compliant review. 4. Send written confirmation of actions taken. Respectfully, 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