Consumer complaint received 2025-11-12 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: HI

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against Experian Information Services for willful violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards relating to a false 30-day late payment reported on my XXXX account ending in XXXX. I am absolutely furious and deeply frustrated with Experians continued mishandling, contradiction, and failure to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ) and to conduct a lawful reinvestigation under 1681i ( a ). Experian has chosen to publish defective, inaccurate data that conflicts with its own internal payment records and the verified data from the other credit bureaus, Equifax and TransUnion. Experian is currently reporting a 30-day late payment on my XXXX account ending in XXXX, while both XXXX XXXX XXXX report this same account as Open, Pays As Agreed, and Current with no late history whatsoever. Even Experians own payment history grid reflects OK marks for every month, which directly contradicts the negative 30-day-late notation shown in the account summary. This self-contradictory reporting violates Metro 2 Base Segment Field 17A ( Account Status ) and Field 17B ( Payment History Profile ), which must remain consistent and synchronized under CDIA data standards. In my XXXX XXXX Report dated XX/XX/XXXX, this contradiction is clearly visible : XXXX XXXX XXXX account listed as Pays As Agreed and Current. XXXX XXXX XXXX account listed as Pays As Agreed and Current. Experian : XXXX account listed as Negative with a 30-day late notation. This means Experian is reporting false information and failing to maintain accuracy and completeness, as required under FCRA 1681e ( b ). Furthermore, Experian has not produced any documentary proof of delinquency, such as billing statements, payment ledgers, or notices of default, which would substantiate its claim. Instead, it relies solely on unverified confirmation from the furnisher a practice explicitly warned against in CFPB Bulletin 2013-09, which clarifies that a CRA can not merely parrot the furnishers response and call it a reinvestigation. My previous dispute letters dated XX/XX/XXXX, were sent certified to Experians XXXX, TX office, specifically citing these legal violations and demanding correction or deletion. I received a generic form letter stating that the furnisher had verified the item, but Experian provided no proof of validation. This shows Experian failed to perform a reasonable reinvestigation as required under FCRA 1681i ( a ) and continues to willfully publish unsubstantiated derogatory information. Additionally, the Metro 2 data segment for this account shows multiple non-compliant entries : XXXX ( Date Opened ) : XX/XX/XXXX reported inconsistently. XXXX ( XXXX XXXX ) : {$2800.00} misreported without verification. XXXX ( Account XXXX ) : Negative 30 days late false. XXXX ( Payment History ) : All OK directly contradicts XXXX. XXXX ( Date Last Active ) : Inconsistent across bureaus ( Experian lists XX/XX/XXXX, while others list XX/XX/XXXX ). XXXX ( Date of Last Payment ) : XX/XX/XXXX inconsistent across all three bureaus. These discrepancies show Experians failure to uphold Metro 2 accuracy, completeness, and timeliness standards as required by FCRA 623 ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ). No data furnisher or credit bureau may continue to publish unverifiable or inconsistent information after a formal dispute has been filed. Experians continued reporting of this false information after receiving my dispute is both willful and negligent non-compliance under FCRA 1681n and 1681o. To make matters worse, my personal information was compromised in both the Equifax Data Breach and the XXXX XXXX XXXX XXXX XXXX ) Breach, as verified by official documentation included in my supporting evidence. Because my personally identifiable information was exposed in those breaches, Experians reliance on furnisher verification is even more reckless it has no way to guarantee that the reported delinquency is associated with a verified, authenticated consumer record belonging to me. I have attached my formal letters titled Notice of Warning for Any Delay in Processing by Credit Bureaus, which remind Experian that delaying or disregarding a consumers dispute due to suspected third-party assistance violates FCRA 1681i. There is no statutory exception allowing Experian to delay processing disputes under the assumption of credit-repair involvement. Each of my letters was written with full awareness of the law and under my own consent, as is my legal right. I have also attached : My photo identification and Social Security verification for identity confirmation ( per 16 CFR 682.3 ). A bank statement from XXXX XXXXXXXX XXXX showing my checking account is active, current, and has had no negative balance or overdraft history. Screenshots from XXXX and XXXX Consulting Progress Report confirming that XXXX XXXX XXXX data show this account in perfect standing. Because of this false reporting, my Experian-based FICO score has been suppressed, which has directly impacted my ability to qualify for lower interest rates and fair credit offers. This error has caused measurable financial harm and emotional distress, as I have had to spend significant time and resources correcting Experians mistakes and filing repeated disputes.

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