Consumer complaint received 2025-11-24 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: IN

Complaint narrative:
My credit reports contain multiple accounts being furnished with material inaccuracies, incomplete information, duplicate reporting, re-aged delinquency dates, mixed-file data, and inconsistent payment histories. These issues violate the Fair Credit Reporting Act ( FCRA ) specifically 607 ( b ), 611, 623 ( a ) ( 1 ), 623 ( a ) ( 3 ), and 623 ( a ) ( 5 ) and also violate the industry-mandated Metro 2 Credit Reporting Standards, which furnishers are required to follow by the CDIA and the nationwide consumer reporting agencies. 

XXXX. Inaccurate, Duplicated, and Unverifiable Collection Reporting Several collection agencies are reporting information that is contradictory, incomplete, or appears duplicated : XXXX XXXX is reporting a collection balance of {$5300.00} and inaccurately labeling the account as joint with another individual. This is a mixed-file error prohibited under FCRA 1681e ( b ). 
In addition, the reporting shows continuous monthly collection activity from XXXX without consistent or verifiable data, which violates FCRA 607 ( b ) as well as Metro 2 requirements for accurate Account Status and Consumer Information Indicators. 
XXXX XXXX is reporting multiple accounts with different account numbers, balances ( e.g., {$2100.00}, {$280.00} ), and inconsistent open dates. The reporting alternates between collection and XXXX  ( no data ), and in some cases appears to represent duplicate reporting of the same debt. 
This violates FCRA 623 ( a ) ( 1 ) and Metro 2 rules prohibiting multiple active collections for the same debt. 
XXXX XXXX XXXX is reporting more than one collection related to debts with overlapping histories, including a balance of {$1100.00} and another related to a sold XXXX  account. These conflicts strongly suggest duplicate furnishing, violating 607 ( b ) and Metro 2 duplicate tradeline suppression requirements. 
XXXX XXXX XXXX is reporting a balance of {$1200.00} with missing months ( XXXX  ), inconsistent reporting gaps, and contradictory payment histories, violating accuracy and completeness requirements under FCRA and Metro 2. 
XXXX XXXX XXXX reports a balance of {$2600.00} and previously showed a dispute notation, but this dispute indicator is missing in other months. Metro 2 requires that any account under dispute must consistently be marked with the appropriate Consumer Information Indicator, and failing to do so violates FCRA 623 ( a ) ( 3 ). 

XXXX. Improper Late Payment Reporting & FCRA-Prohibited Re-Aging Several accounts show payment histories that contradict normal billing cycles, indicate re-aging of delinquency, or contain inconsistent coding : XXXX XXXX  ( Loan ) reports a 30-day late in XX/XX/XXXX even though the account was closed in XX/XX/XXXX, which conflicts with payment cycle logic and violates FCRA 607 ( b ) and Metro 2 timing-of-delinquency rules XXXX 
The XXXXXXXX XXXX XXXX  shows a delinquency progression ( XXXX days late ) that is inconsistent with the accounts payment pattern and appears re-aged. 
Re-aging is prohibited under FCRA 623 ( a ) ( 5 ) and violates Metro 2 reporting requirements for Date of First Delinquency ( DOFD ). 
XXXX XXXX  continues to report past due amounts after the account was charged off, despite Metro 2 requiring {$0.00} past due at the time of charge-off. This is inaccurate and violates 607 ( b ). 
XXXX reports 30- and 60-day late payments in XXXX and XX/XX/XXXX, despite payment records during these periods ( e.g., XX/XX/XXXX, XX/XX/XXXX ) that contradict these lates. 
This is improper delinquency reporting prohibited under Metro 2 and FCRA. 
XXXX XXXX displays an inconsistent sequence of XXXX, XXXX, XXXX, XXXX, and XXXX  codes along with a charge-off of {$340.00} even after showing payments in late XXXX. 
These irregularities violate the Metro 2 Payment Rating and Account Status rules and indicate inaccurate delinquency reporting. 
XXXX XXXX XXXX shows late payments and charge-off activity even after the account was sold to XXXX XXXX, where the balance should have been updated to {$0.00} under Metro 2 and FCRA 623 ( a ) ( 2 ). 
XXXX XXXX continues showing past due amounts after a charge-off in XX/XX/XXXX, violating both Metro 2 charge-off reporting requirements and FCRAs accuracy obligations. 

XXXX. Metro 2 Compliance Failures Supporting FCRA Violations Across multiple accounts, the following Metro 2 violations appear : Improper re-aging of delinquency Missing or inconsistent Account in Dispute codes Past-due balances continuing after charge-off Duplicate collections for the same debt Contradictory Payment Rating codes XXXX  ( XXXX XXXX ) periods replacing required monthly reporting Incorrect Account Status codes Mixed-file consumer association These Metro 2 failures directly support violations of : FCRA 607 ( b ) maximum possible accuracy FCRA 623 ( a ) ( 1 ) furnishing inaccurate information FCRA 623 ( a ) ( 3 ) failure to report disputes correctly FCRA 623 ( a ) ( 5 ) improper re-aging FCRA 611 failure to properly verify information FCRA 1681e ( b ) mixed-file identity errors Requested Action I am requesting that CFPB require the furnishers and credit bureaus involved to : 1. Provide full documentation supporting each account.

2. Correct or delete any item that can not be fully verified with original records.

3. Remove duplicate tradelines, re-aged delinquencies, and improperly coded charge-offs.

4. Correct all Metro 2 compliance violations.

5. Correct any mixed-file or wrong consumer association issues. 

The current reporting is inaccurate, incomplete, and harmful to my report.

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