Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Despite more than five disputes filed over several months with TransUnion, Experian, and Equifax, the charged-off accounts from XXXX XXXX XXXX ( Acct # : XXXX ), XXXX XXXX XXXXXXXX ( Acct # : XXXX ), XXXX XXXX XXXXXXXX ( Acct # : XXXX ), and XXXX XXXX XXXX ( Acct # : XXXX ) continue to be inaccurately reported. The primary violations involve ongoing reporting of derogatory payment history codes in Metro 2 Field 11 such as CO ( Charge-Off ), C ( Collection ), and late payment codes ( 30, 60, 90 days ) after the official charge-off date and account closure date, in violation of Metro 2 guidelines which mandate cessation of delinquency codes post-charge-off and require Field 17 ( Account Status ) to be reported as Charge-Off with Field 12 ( Date Closed ) correctly reflecting the charge-off date. The continued re-reporting of these derogatory monthly status codes falsely re-ages the debt, misleading creditors and credit scoring models.

These errors violate the Fair Credit Reporting Acts core provisions including : 15 U.S.C. 1681e ( b ) CRAs must follow reasonable procedures to assure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) CRAs must conduct a reasonable reinvestigation within 30 days of dispute and promptly correct or delete inaccurate information ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( b ) Furnishers must not report information they know or have reasonable cause to believe is inaccurate, and must correct information after notice from CRAs ; 15 U.S.C. 1681c-2 Limits on how long and how delinquency can be reported ; charge-offs must be reported accurately and not re-aged.

Moreover, the CRAs themselves have failed their independent obligations under the FCRA by repeatedly verifying this inaccurate information without meaningful investigation, merely parroting furnisher data despite my multiple disputes submitted over consecutive months. For example, Equifax has denied the presence of XXXX XXXX XXXX twice, yet the account remains on my report, confirming deficient reinvestigation practices. Because both furnishers and CRAs are jointly responsible under the FCRA for ensuring accuracy and proper investigation, I demand immediate deletion of these accounts and removal of all inaccurate post-charge-off derogatory payment history marks. 

The credit reporting agenciesTransUnion, Experian, and Equifaxare providing inaccurate credit scores to lenders and other third parties, which do not reflect my actual credit risk. This violates the Fair Credit Reporting Acts requirement under 15 U.S.C. 1681e ( b ) that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in both the credit information and the credit scores they furnish. Courts have recognized that the dissemination of inaccurate credit scores, which are relied upon in credit decisions, causes material harm and is actionable under the FCRA. The consistent reporting of erroneous credit scores to creditors unfairly lowers my creditworthiness, resulting in tangible harm such as higher interest rates, credit denials, and other adverse financial consequences.

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