Consumer complaint received 2025-05-18 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: NY

Complaint narrative:
Formal Dispute XXXX Account Account Number : XXXX Reported by : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX I am submitting this formal dispute regarding an account reported by XXXX on my TransUnion credit report, due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and inconsistencies under Metro 2 reporting standards .

Inaccuracies and Issues Identified : 1. No Late Payments Recorded Before Charge-Off The account is marked as Payment after charge off/collection, yet there is no record of 30, 60, 90, or 120 days past due, which is required to justify a charge-off status. This contradicts the logic of a charge-off and violates the standard reporting procedure outlined in Metro 2 guidelines.

2. Missing Original Creditor Information The Original Creditor field is blank, making the account unverifiable and incomplete under FCRA 1681s-2 ( a ) ( 1 ) ( A ). The consumer has the right to know who is furnishing this information and the source of the debt.

3. Inaccurate and Unnecessary Comment The report includes a remark stating : Settled ; less than full balance. This language is unnecessarily negative and misleading, especially when the balance is {$0.00}, the account is closed, and there is no outstanding debt. Under FCRA 1681c, only accurate and relevant information may be included in a credit report.

4. No Dispute Notation Present in Report The Experian report does not include a current consumer dispute notation, which is required under FCRA 1681i during the investigation of any disputed information.

Requested Resolution : I am formally requesting the following : 1. Full deletion of this account from my TransUnion report due to : - Lack of late payment history to support a charge-off - Missing creditor identity - Incomplete and misleading commentary OR, if deletion is not possible : 2. Immediate corrections, including : - Removal of the Settled for less than full balance comment - Clear labeling of the account as Closed Paid with {$0.00} balance - Proper identification of the original creditor - Removal of charge off language unless supported by documented delinquency 3. Verification documentation, including : - Original signed contract - Complete delinquency and payment history - Legal basis for reporting a charge-off without late payments Summary of Violations/ Errors to Correct : 1. Charged-off status without any prior late payments ( Metro 2 violation ) 2. Missing original creditor ( FCRA 1681s-2 ( a ) ( 1 ) ( A ) ) 3. Settled comment unfairly penalizes consumer despite {$0.00} balance ( FCRA 1681c ) 4. No active dispute notation present in report ( FCRA 1681i ) If this information can not be verified and corrected within 30 days, I will proceed with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate agencies for failure to comply with the FCRA. 



Sincerely, 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