Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Beginning in early 2024, I identified multiple accounts being reported unlawfully and inaccurately by XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX, and XXXX XXXX  across all three nationwide consumer reporting agencies ( Experian, TransUnion, and Equifax ). These furnishers have repeatedly violated the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair and Accurate Credit Transactions Act, and mandatory Metro-2 reporting guidelines, resulting in significant consumer harm.

1. Violations of FCRA 602 & 607 Duty of Maximum Possible Accuracy The information furnished by these companies includes : Incorrect payment histories False delinquency reporting Conflicting balances and dates Improper charge-off coding C-5 Metro-2 errors Continued reporting after factual disputes This shows a systemic failure to maintain maximum possible accuracy as required by law. The data furnished does not match the true account history and contradicts itself across bureaus.

2. Violations of FCRA 611 Failure to Conduct a Lawful Reinvestigation After submitting formal disputes to each bureau, the furnishers did not conduct a good-faith reinvestigation. Instead, they verified information that is : Contradictory Incomplete Unsubstantiated And in some cases, entirely false A verification without evidence violates federal law.

3. Violations of FCRA 609 ( a ) ( 1 ) No Verification or Validation Provided Upon requesting documentation proving the validity of these accounts, the furnishers failed to provide : Any underlying account records Payment histories Contracts or complete account statements System notes or internal investigation details The law requires furnishers to provide documentation supporting the information they are reporting. None was provided.

4. Violations of FCRA 611 ( a ) ( 7 ) Method of Verification Not Supplied Each furnisher refused to disclose the method of verification, including : Who they contacted What documents they reviewed What procedures they followed This is required by statute. Their refusal obstructs transparency and violates the consumers rights under federal law.

5. Metro-2 Reporting Violations Each company is furnishing data that violates : Metro-2 CRRG guidelines CDIA compliance rules Furnisher Accuracy and Integrity Requirements Examples include : Wrong delinquency dates Payment history errors Wrong Date of First Delinquency ( DOFD ) Incorrect current balance and charge-off coding Failure to update accounts after disputes Inconsistent reporting across bureaus Continuing to report derogatory data that is legally unverifiable These errors fall under Metro-2s C-5 classification, indicating major and unacceptable reporting failures. 

XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX is reporting : False late payments Conflicting dates Improper charge-off status Inaccurate payment patterns C-5 erroneous reporting Despite disputes, they continued reporting inaccurate and unverifiable data, which demonstrates willful noncompliance. 

XXXX. XXXX XXXX XXXX  XXXX and Unverifiable Reporting XXXX XXXX XXXX  is reporting inconsistent information, including : Payment history that does not match the account records Incorrect open/close dates False delinquency not supported by any documentation Failure to correct after disputes Their reinvestigation appears automated and not compliant with federal law. 

8. XXXX Failure to Update and Maintain Accuracy XXXX is reporting : Inaccurate payment history Improper delinquency reporting Contradictory status updates No evidence provided to support verification Despite clear dispute evidence, the account was not corrected or updated. 

9. XXXX Incorrect Payment Reporting XXXX reported inaccurate derogatory information, including : False missed payments Incorrect payment dates Unverified delinquency status These entries can not be substantiated based on the actual account activity. 

10. Violations of FCRA 623 Furnisher Duties All furnishers failed to : Maintain accuracy Update information after a dispute Report only verified information Conduct reasonable investigations Failure to comply with 623 demonstrates negligence or willful misconduct.

11. Damages and Harm Experienced Due to the unlawful reporting, I have suffered : Denied applications Higher interest rates Loss of credit opportunities Unnecessary financial hardship Reputational damage to my creditworthiness I am requesting that the CFPB compel these companies to : 1. Provide full documentation validating all disputed information 2. Correct or delete any and all unverifiable, inaccurate, or incomplete data 3. Comply with FCRA, FACTA, and Metro-2 standards immediately 4. Cease reporting information that can not be legally substantiated I am also reserving my right to pursue civil action under FCRA XXXX for negligent or willful noncompliance.

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