Consumer complaint received 2025-06-19 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX SSN ( Last 4 ) : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To Whom It May Concern, I am disputing multiple accounts listed on my credit report. These accounts are not only inaccurate or outdated but also violate key sections of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), Equal Credit Opportunity Act ( ECOA ), and the Metro 2 Compliance Reporting Standards. Please review the details of each account below and remove them from my credit report immediately as required by federal law. 


Account : XXXX XXXX XXXX XXXX XXXX Date Reported : XXXX XXXX XXXX  Balance : {$0.00} Issue : This account is marked as 'Potentially Negative ' despite reporting a {$0.00} balance and no current delinquency or charge-off. 
Why this violates the law : Marking an account as potentially negative without evidence of delinquency is misleading and violates FCRA 1681e ( b ), which requires the most accurate and complete reporting. Additionally, the Metro 2 fields such as Portfolio Type and Compliance Condition Code ( Field 17A ) are not appropriately set, leading to a misclassification of the accounts current status. 


Account : XXXX XXXX XXXX Date Reported : XXXX XXXX XXXX  Balance : {$0.00} Issue : This account reports a late payment on a closed loan with a XXXX balance. 
Why this violates the law : FCRA 611 allows me to dispute information that is no longer verifiable or complete. Reporting derogatory payment history on a closed account without ongoing obligations or balance suggests incomplete investigation. The missing or improperly coded Segment K status and Date of First Delinquency ( Field 25 ) violates Metro 2 formatting, making this entry noncompliant. 


Account : XXXX XXXX XXXX XXXX XXXX Date Reported : XXXX XXXX XXXX Balance : {$0.00} Issue : Account is closed with a derogatory status, but no active debt or accurate last activity date is shown. 
Why this violates the law : FCRA 1681i ( a ) ( 5 ) requires deletion of unverifiable information. Without proof of balance, updated activity, or proper coding of Fields 17A and 25, the negative status may be inaccurate. This account violates Metro 2 rules by omitting the mandatory compliance condition fields required for derogatory trade lines. 


Account : XXXX XXXX XXXX XXXX XXXX Bank Trust Date Reported : XXXX XXXX XXXX Balance : {$4900.00} Issue : This collection account lacks validation and fails to identify the original creditor 's documentation. 
Why this violates the law : Under FDCPA 809, collectors must provide full validation of the debt upon request. If the original creditors documentation can not be produced, FCRA 609 and 611 entitle me to dispute the accuracy and demand deletion. Continuing to report this entry without full verification violates both federal laws and Metro 2 requirements for accurate and validated data furnishing. 


Account : XXXX XXXX Date Reported : XXXX XXXX XXXX  Balance : {$0.00} Issue : This mortgage account appears to be a duplicate or aged tradeline with no verifiable details. 
Why this violates the law : FCRA 611 requires credit bureaus to delete unverifiable or duplicate information. The Metro 2 compliance segment fields appear incomplete, particularly the absence of a valid Portfolio Type or First Delinquency Date. Without complete data, the tradeline is misleading and harmful. 


Account XXXX XXXX  Date Reported : XXXX XXXX XXXX Balance : {$0.00} Issue : A closed mortgage loan with no delinquency history is still being reported with outdated and unverified information. 
Why this violates the law : According to FCRA 609 and 1681e ( b ), all data must be up to date and traceable to a source. This tradeline lacks supporting documentation, and its age makes it potentially obsolete under 1681c. The missing Metro 2 fields prevent the bureaus from proving its accuracy. 


Account : XXXXXXXX XXXX Date Reported : XXXX XXXX XXXX Balance : {$0.00} Issue : This entry appears outdated and lacks current activity or proper coding. 
Why this violates the law : FCRA 1681s-2 ( b ) places the burden on furnishers to correct or delete inaccurate information after a dispute. This tradeline fails to meet Metro 2 's structural requirements, such as Compliance Condition Codes and Segment updates. Without that structure, the account violates both federal and data reporting standards. 


Given the violations above, I am demanding permanent deletion of all accounts listed. If the data furnishers or credit bureaus can not validate each account with original documentation and full Metro 2 compliance, they must be deleted under federal law. I am exercising my rights to dispute inaccurate and unverifiable information under FCRA, FDCPA, and related statutes. I expect your investigation to be completed within the 30-day period as required. 

Thank you for your prompt attention. 

Sincerely, XXXX 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