Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is submitted against Experian Information Solutions , Inc. for repeated and systemic violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 industry reporting standards. 
The violations involve two separate tradelines XXXX XXXX  and XXXX XXXX where Experian engaged in an identical unlawful pattern of conduct : Failure to ensure maximum possible accuracy under FCRA 1681e ( b ). 
Failure to conduct a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). 
Failure to delete unverifiable or inaccurate information under FCRA 1681i ( a ) ( 5 ). 
Failure to provide the method of verification under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). 
Failure to comply with Metro 2 reporting standards, including conflicting codes, improper bankruptcy indicators, and suppression of positive payment history. 
II. Pattern of Misconduct A. XXXX XXXX Tradeline Original Issue : Reported as Open, Balance {$2600.00}, Never Late despite being closed with {$0.00} balance. 
Attorney Demand ( XX/XX/XXXX ) : Formal legal demand sent citing FCRA and Metro 2 violations. 
CFPB Complaint # XXXX ( XX/XX/XXXX ) : Filed and currently under review. 
Experians Response : Instead of correcting or deleting, Experian altered the reporting to Bankruptcy Discharge ( XX/XX/XXXX ), re-aged the account, and inserted a consumer statement : Completed investigation consumer disagrees. 
Proof of Delivery : USPS Tracking XXXX, delivered XX/XX/XXXX, signed by XXXX XXXX. 
USPS Tracking XXXX, mailed XX/XX/XXXX, scheduled delivery XX/XX/XXXX. 
Result : Experian worsened the tradelines reporting and failed to verify with certified documentation. 
XXXX XXXXXXXX XXXX Tradeline Original Issue : Reported as Discharged through XXXX XXXX  XXXX / Never Late despite no bankruptcy appearing on the Experian file. 
Attorney Demand ( XX/XX/XXXX ) : Final legal demand to delete inaccurate tradeline. 
Dispute Results ( XX/XX/XXXX ) : Experian altered reporting to Closed at credit grantors request while suppressing positive payment history. 
Attorney Demand ( XX/XX/XXXX ) : Reiterated violations and demanded deletion. 
CFPB Complaints Filed : # XXXX # XXXX # XXXX Proof of Delivery : USPS Tracking XXXX, delivered XX/XX/XXXX XXXX signed by XXXX XXXX. 
USPS Tracking XXXX, mailed XX/XX/XXXX, scheduled delivery XX/XX/XXXX. 
Result : Experian deleted positive payment history, inserted misleading closure codes, and failed to verify with certified documentation. 
III. Consumer Harm Experians unlawful reporting has caused : Artificial inflation of debt load and debt-to-income ratio. 
Elimination of years of verified positive payment history. 
Misleading derogatory notations ( bankruptcy discharge / creditor closure ). 
Increased risk of credit denials, higher interest rates, reputational harm, and financial injury. 
IV. Legal Violations FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy. 
FCRA 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation. 
FCRA 1681i ( a ) ( 5 ) : Failure to delete unverifiable or inaccurate information. 
FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide method of verification. 
FCRA 1681s-2 ( b ) : Prohibition on misleading modifications after disputes. 
Metro 2 Standards : Improper bankruptcy indicators, conflicting codes, and suppression of positive payment history. 

VI. Exhibits Exhibit A : CFPB Complaint # XXXX ( XXXX ) Exhibit B : XXXX Legal Demand ( XX/XX/XXXX ) Exhibit C : Experian Credit Report ( XX/XX/XXXX XXXX ) Exhibit D : Formal Demand for Deletion ( XX/XX/XXXX XXXX ) Exhibit E : USPS Proof of Delivery XXXX ( XXXX, delivered XX/XX/XXXX ) Exhibit F : USPS Proof of Mailing XXXX ( XXXX, mailed XX/XX/XXXX, delivery scheduled XX/XX/XXXX ) Exhibit G : XXXX Final Legal Demand ( XX/XX/XXXX ) Exhibit H : Experian Dispute Results Report ( XX/XX/XXXX XXXX ) Exhibit I : XXXX Demand ( XX/XX/XXXX ) Exhibit J : USPS Proof of Delivery XXXX ( XXXX, delivered XX/XX/XXXX ) Exhibit K : USPS Proof of Mailing XXXX ( XXXX, mailed XX/XX/XXXX, delivery scheduled XX/XX/XXXX ) Closing Statement Experians repeated pattern of misconduct across multiple tradelines demonstrates systemic violations of the FCRA and Metro 2 standards. I request immediate regulatory intervention to correct my file, prevent further harm, and hold Experian accountable.

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