Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A proper reinvestigation was not done by all the credit bureau I am filing this complaint against the three major credit reporting agenciesXXXX Experian, and XXXX failing to conduct a proper and reasonable reinvestigation into a late payment inaccurately reported on my credit file by XXXX XXXX XXXXXXXX XXXX for the month of XX/XX/year>, Account Number ending in XXXX. 

Upon review of my credit reports : XXXX  is reporting the account as 60 days late, Experian is reporting the same account as 30 days late, and XXXX is also reporting it as 30 days late by {$98.00}. 

This reporting is inconsistent, inaccurate, and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards : Legal Violations : FCRA 611 ( 15 U.S. Code 1681i ) Procedure in case of disputed accuracy Credit bureaus are required to conduct a reasonable reinvestigation when a dispute is submitted. The clearly conflicting data reported by the three CRAs demonstrates that no proper reinvestigation was conducted, as a reasonable investigation would have identified the inconsistency and sought correction from the furnisher.

FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) Maximum possible accuracy The credit bureaus have an obligation to ensure the information they report is accurate. Reporting three different versions of the same payment status for the same month on the same account is a direct violation of this provision.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S. Code 1681s-2 ) Duties of furnishers of information XXXX XXXX XXXX as the furnisher, is required to report complete and accurate information. The inconsistent data across the three CRAs indicates that either XXXX XXXX or the CRAs failed to follow proper Metro 2 compliance for accurate credit data furnishing. 

Metro 2 Reporting Standards Under Metro 2 guidelines, the Payment Rating and Account Status must align consistently across reporting agencies. A single tradeline can not have simultaneously conflicting delinquency statuses ( e.g., 30, 60, and partial dollar delinquency ) for the same reporting period. This violates the industry-standard data furnishing format all CRAs and furnishers must adhere to.

Requested Relief : I am demanding the following actions be taken immediately : A complete and reasonable reinvestigation of the XX/XX/year> payment status for XXXX XXXX XXXX XXXX, Account # XXXX. 

Direct communication with the furnisher ( XXXX XXXX ) to obtain verified and consistent payment status data. 

Correction or deletion of the inaccurate late payment data across all three bureaus to reflect a consistent and accurate report.

Written confirmation of the reinvestigation outcome in compliance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) within the required time frame.

The current reporting is unjustly harming my creditworthiness and must be resolved. Please escalate this matter to a compliance supervisor if necessary. I am fully prepared to take further legal action, including filing complaints with the FTC and State Attorney General, if this dispute is not resolved in full accordance with FCRA and Metro 2 standards.

Thank you for your prompt attention to this matter.

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