Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has been notified of an inaccurate account on my report that has yet to be removed as per the Fair Credit Reporting guidelines and Metro 2 compliance.

I'm attaching below a copy of a letter sent to them that details the issues with this account. It is being misrepresented as a charge account when it is a credit building program. Also I am attaching a screenshot showing that a dispute was initiated through their online portal. 


LETTER SENT TO EXPERIAN : XXXX XX/XX/XXXX Experian Dispute XXXX XXXX XXXX XXXX  RE : Formal Demand for Correction of Metro 2 Non-Compliant & Inaccurate Information Credit File/Report Number : XXXX Disputed Account : XXXX XXXX XXXX  Account # XXXX To Whom It May Concern : I am disputing the above-referenced account as it contains multiple inaccuracies and violates the Metro 2 Credit Reporting Resource Guide standards, rendering the entire account misleading and unverifiable. Under the FCRA, you are required to conduct a reasonable investigation and correct or delete non-compliant data. 
The following specific violations require immediate remediation : XXXX. Internal Data Inconsistency & Inaccurate Status Code : The account is reported as " Account Type : Charge Card '' ( Code 09 ) but with an " Account Status : Charge-Off '' ( Code 93/09 ). Per Metro 2, a Charge Card can not be reported as a Charged-Off revolving account. This fundamental inconsistency makes the tradeline 's status unverifiable and mandates its deletion.

2. Inaccurate Past Due Amount on Closed Account : The account is reported as " Closed '' and " Charged-Off, '' yet a " Past Due Amount '' of {$30.00} is reported. Metro 2 guidelines explicitly require that a charged-off account must report a {$0.00} in the " Past Due Amount '' field ( Field 29 ). This is a clear reporting violation.

3. Mischaracterization of Account Type : This was a " Credit Builder Account, '' not a " Charge Card. '' The misclassification misrepresents the fundamental nature of the account to any third party reviewing my credit, which is deceptive.

4. Inaccurate Payment History : The payment history ( Fields 30-41 ) shows a series of late payments culminating in a charge-off. These payments were assessed after I had canceled the service and no further payments were due. The reporting of these late payments is factually inaccurate.

Due to the multiple Metro 2 compliance failures and the inherently misleading nature of reporting a credit builder savings program as a charged-off debt, this account can not be verified as accurate. The FCRA requires that you prevent the reporting of known inaccurate information. This dispute isnt just about a payment history. Its about the fundamental nature of the account.

Kikoff is misrepresenting a credit builder program as a charged-off consumer debt. This brings into the question whether the trade lines should exist on report at all and should trigger a higher duty outlined in Dennis v. BEH-1, LLC ( 9th Cir. 2015 ). The Ninth Circuit Court of Appeals held that A credit reporting agency may be required, in certain circumstances, to verify the accuracy of its initial source of information. The court stated that if a consumer raises a dispute that goes to the fundamental question of whether the [ furnisher ] had a right to collect the debt at all, the CRA can not simply rely on the furnishers say-so. It must do more.

Please conduct a reinvestigation for these specific Metro 2 violations, and provide me with an updated credit report showing the removal of the disputed account. As a reminder per federal guidelines of credit reporting, any inaccuracies can not be verified within the statutory timeframe, the account must be deleted. 

Sincerely, XXXX XXXX XXXX : XXXX ( last four digits for verification purposes )

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