Consumer complaint received 2025-08-14 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: MA

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Names : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX : Credit Reporting Incorrect information on credit report Problem : Improper reporting of late payments, missing required fields, and non-compliance with Metro 2 data standards.

________________________________________ Complaint Narrative : On my Experian credit report dated XX/XX/year>, XXXX XXXX XXXX is reporting an account ( Account No. XXXX ) with XXXX late payments and a balance of {$33000.00} ( original ), marked Paid Off. However, the reporting contains numerous material inaccuracies, omissions, and contradictions that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 reporting standards. 
I have attached my direct dispute letter to XXXX ( furnisher ) and my FCRA 611 dispute letter to Experian. The specific issues include : 1. Missing Payment History & XXXX  No month-by-month payment codes or Date of First Delinquency provided, making the late payments unverifiable. 
2. Paid-Off Status Without Payoff Date The account is marked Paid Off but with no closure or payoff date. 
3. Blank Balance Fields Current Balance shows as instead of {$0.00}, and Amount Past Due is not provided despite late payment claims.

4. Duplicate Entries Same incomplete XXXX account appears multiple times in my Experian file. 
5. Account Type Misclassification Listed as Utility despite the loan-like structure and large original balance.

6. Missing Update Dates Balance updated date is blank.

7. Missing Furnisher Contact Info No address or phone for XXXX in the credit report. 
8. Re-Aging Risk No XXXX or closure date means the account could be re-aged beyond the XXXX limit. 
9. Metro 2 Data Field Non-Compliance Multiple missing required fields under the Metro 2 format.

10. Failure to Assure Maximum Possible Accuracy Violates FCRA 1681e ( b ).

Impact : This inaccurate reporting is damaging my credit score and misrepresenting my credit history. I have already sent disputes to both Experian and XXXX under FCRA 611 and 623 ( a ) ( 8 ), but I am concerned about ongoing violations and the failure to follow industry reporting standards.

Relief Sought : Immediate deletion of the XXXX account from all credit reporting agencies, OR full correction to comply with Metro 2 standards and FCRA requirements. 
Written confirmation from both Experian and XXXX. 
XXXX that this account will not be re-aged or re-reported without full compliance. 
Attachments : Experian dispute letter ( FCRA 611 ) Sunnova dispute letter ( FCRA 623 ( a ) ( 8 ) ) Credit report excerpt showing inaccurate tradeline ________________________________________ Metro 2 Field Violation XXXX XXXX XXXX XXXX XXXX Name / Number Exact Error Metro 2 Standard / FCRA Law Violated Why Violation ( Accuracy / Completeness / Consistency ) Payment History Profile ( Field XXXX ) No month-by-month payment codes provided despite claim of XXXX late payments Metro 2 Field 28 ; FCRA 623 ( a ) ( 5 ), 1681e ( b ) Prevents verification of delinquencies ; incomplete payment history violates Metro 2 Date of First Delinquency ( Field XXXX ) Missing XXXX  entirely FCRA 623 ( a ) ( 5 ) ; Metro 2 Field XXXX Required to determine XXXX reporting limit ; omission allows illegal re-aging Account Status ( Field XXXX ) / Date Closed ( Field XXXX ) Marked 'Paid off ' with no closure or payoff date Metro 2 Field XXXX & XXXX ; FCRA 1681e ( b ) Status/date mismatch prevents determining when delinquency ended Current Balance ( Field XXXX ) / Amount Past Due ( Field XXXX ) Current balance is " instead of {$0.00} ; Amount Past Due missing Metro 2 Field XXXX & XXXX Blank balance fields XXXX inaccurate ; past due must be {$0.00} if balance is {$0.00} Base Segment Creditor Contact Information No furnisher address or phone number listed FCRA 609 ( a ) ( 1 ) ; Metro 2 Base Segment Consumers must be able to XXXX furnisher to dispute Account Type ( Field XXXX ) Reported as 'Utility ' despite large loan-like balance Metro 2 Field XXXX ; FCRA 1681e ( b ) Misclassification can mislead lenders and scoring models Date of Account Information ( Field XXXX ) 'Balance updated ' date blank Metro XXXX Field XXXX ; FCRA 1681e ( b ) Missing update date prevents determining currency of data Duplicate Tradeline Rule Same Sunnova account repeated multiple times without full details Metro 2 prohibition on duplicate tradelines ; FCRA 1681e ( b ) Misleads lenders into thinking there are multiple delinquent accounts FCRA Maximum Possible Accuracy Standard Multiple blank, contradictory, and incomplete fields FCRA 1681e ( b ) If data is unverifiable or incomplete, it must be deleted

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