Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ormal dispute of multiple inaccurate, obsolete, and unverifiable items appearing on my consumer credit files, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Metro 2 Credit Reporting Resource Guide guidelines.

In accordance with 15 U.S.C. 1681i ( a ), you are required to conduct a reinvestigation of the disputed information, report the results within 30 days, and remove any information that is incomplete, inaccurate, or unverifiable. Under Metro 2 Format requirements, tradeline data must conform to industry reporting standards, including accurate status codes, obsolete date deletion rules, and inquiry procedures.

I. Disputed Accounts 1. XXXX XXXX XXXX XXXX Inquiry Dated XX/XX/XXXX ( Equifax ) Nature of Dispute : Unauthorized hard inquiry. I did not consent to or authorize XXXX XXXX XXXX to access my credit report. This violates 15 U.S.C. 1681b ( c ), which requires a permissible purpose and specific consent. 

Violation : No firm offer of credit was extended, and I made no application to XXXX XXXX XXXX. 

Request : Immediate removal of this unauthorized inquiry under Cal. Civ. Code 1785.16.1, which mandates deletion of inquiries initiated without consent.

2. XXXX XXXX XXXX Acct XXXX XXXX Equifax & TransUnion Reporting : Shows balance of {$23000.00}, status Over 120 Days Past Due, and Voluntary Surrender. 

Violations : This tradeline is obsolete due to continued reporting of delinquencies exceeding 7 years. 

Reported high balance ( {$18000.00} ) does not match the present balance, violating Metro 2 Segment Base 02 Field 16.

Payment history reflects continuous 120-day delinquencies with no update or resolution, violating Metro 2 status code compliance.

TransUnion lists a scheduled monthly payment of {$0.00}, yet reflects active delinquency.

Request : Immediate deletion or correction in compliance with Metro 2 Format and FCRA 1681s-2 ( b ).

3. XXXX XXXX, XXXX Account ending in XXXX Reported Status : Charge-off and late payments ( 30-150 days ), closed in XX/XX/XXXX. 

Violation : This account was reported as paid, yet still shows as charged off with past due amounts, conflicting with Metro 2s Paid/Closed reporting rules.

Request : Remove all inaccurate derogatory notations and update as Paid Closed No Derogatory.

II. Metro 2 Reporting Compliance Failure Per the Consumer Data Industry Association ( CDIA ), Metro 2 Format requires accurate data alignment across the following fields : Compliance Condition Code ( Field 17A ) Account Status ( Field 17B ) Date of First Delinquency ( Field 25 ) Payment Rating ( Field 17D ) Several tradelines on my file misreport these values, causing compliance violations under 15 U.S.C. 1681e ( b ) ( requirement of maximum possible accuracy ).

III. Supporting Case XXXX XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : A CRA 's duty to reinvestigate is not fulfilled by simply forwarding a dispute to the furnisher. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : FCRA imposes affirmative duties to ensure accuracy and remove unverifiable data. 

XXXX XXXX Trans Union XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Reaffirms consumer 's right to accurate credit reporting and defines actual damages stemming from inaccurate reports. 

XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Credit bureaus must correct or delete information that is inaccurate or incomplete.

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