Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
CFPB Complaint Draft XXXX XXXX XXXX Experian Information Solutions , Inc . 

Complainant : Name : XXXX XXXX Address : * * XXXX XXXX XXXX XXXX : * * XXXX, CA XXXX XXXX : XXXX Company Complained Against : Experian Information Solutions , Inc . 
XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Experian has failed to conduct a reasonable reinvestigation and continues to report inaccurate account information across multiple tradelines. Despite prior disputes and Experians written acknowledgment that certain data was deleted or corrected, the information remains inaccurate as of XX/XX/XXXX. 

This constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 * * data reporting standards required under the CDIA guidelines. 

Disputed Accounts : XXXX XXXX Charged off XX/XX/XXXX still reporting and updating as of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. * * FCRA 623 ( a ) ( 1 ) ( A ) * * Furnisher may not report information known or believed to be inaccurate.

2. * * FCRA 607 ( b ) * * CRA must assure maximum possible accuracy in data reporting.

3. * * FCRA 623 ( a ) ( 5 ) * * Improper re-aging ; DOFD not accurately maintained.

4. * * FCRA 611 ( a ) ( 1 ) ( A ) * * Failure to conduct a reasonable reinvestigation.

5. * * Metro 2 Compliance Manual : * * * * * Field 12 ( Scheduled Monthly Payment Amount ) * * Amount reported must be {$0.00} after charge-off. 
* * * Field 17 ( Account Status ) * * Once charged off, the status must remain static and not accrue new past due amounts or payment activity. 

* Experian verified data as accurate without correcting discrepancies in * * payment amounts, past due balances, and charge-off dates * *. 
* Furnishers confirmed accurate field data, yet Experian failed to update or synchronize the Metro 2 fields properly.

* Monthly reporting continues to reflect * * past due status * * over 18 months postcharge-off a direct violation of * * FCRA 623 ( a ) ( 5 ) * * and Metro 2 formatting standards. 
* Experians internal EOSCAR responses demonstrate * * rubber-stamp verification * * rather than independent investigation. 

This repeated misreporting has : * Depressed my credit score by reflecting active delinquency on closed, charged-off accounts. 
* Created denial of favorable credit terms and loss of financial opportunities. 
* Caused emotional and reputational harm due to Experians negligence.

Relief Sought I am requesting that the CFPB : 1. Initiate an investigation into Experians failure to comply with FCRA 607 ( b ), 611 ( a ), and 623 ( a ).

2. Require Experian to delete or correct all inaccurate tradeline data immediately.

3. Enforce compliance with * * Metro 2 data fields * * for accurate postcharge-off reporting.

4. Ensure Experian provides full documentation of their verification process ( Method of Verification ) as mandated under * * FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) * *.

5. Impose civil penalties if Experian is found to be willfully noncompliant. 

I certify that all statements herein are true and correct to the best of my knowledge. 

Signed XXXX XXXX XXXX, CA Date : XX/XX/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