Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX : XXXX Date : [ Monday XX/XX/XXXX ] To Whom It May Concern, I am writing to formally dispute inaccurate information on my consumer credit reports under the Fair Credit Reporting Act ( FCRA, 15 U.S.C . 1681 ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. The discrepancies violate FCRA requirements for accuracy, fairness, and privacy, as well as Metro 2 compliance standards for credit reporting. 

# # # * * Specific Inaccuracies and Violations * * : 1. * * Closed Account Reporting as Open * * : - * * XXXXXXXX XXXX * * accounts ( closed on * * XX/XX/XXXX * *, and * * XX/XX/XXXX * * ) inaccurately report activity post-closure ( e.g., " Currently late '' status and balances in * * XXXX * * ). This violates * * FCRA 623 ( a ) ( 1 ) ( A ) * * ( duty to furnish accurate information ) and * * Metro 2 guidelines * * ( closed accounts must reflect {$0.00} balances and no ongoing activity ).

2. * * Conflicting Payment Histories * * : - Payment history percentages conflict across reports ( * * 78 % * *, * * 71 % * *, and * * 90 % * * on-time payments ). Discrepancies between Equifax ( XX/XX/XXXX ) and TransUnion ( XX/XX/XXXX ) violate * * CFPB 12 CFR 1022.42 ( a ) * * ( prohibition of contradictory data ). 

3. * * Incorrect " Currently Late '' Status * * : - * * XXXXXXXX XXXX * * is marked " Currently late '' with * * XXXX missed payments * * despite the account being closed in * * XXXX * *. This violates * * FCRA 605 ( a ) ( 3 ) * * ( reporting outdated information ) and * * Metro 2 * * standards for closed account status. 

4. * * Duplicate Reporting * * : - Multiple entries for * * XXXXXXXX XXXX * * ( e.g., " XXXX '' vs. " XXXX XXXX  '' ) suggest duplicate reporting, breaching * * Metro 2 * * requirements for unique account identification. 

5. * * High Credit Utilization Misrepresentation * * : XXXX XXXX * * {$1500.00} balance * * on a closed account with a * * {$1800.00} limit * * falsely implies 84 % utilization. Closed accounts must report {$0.00} balances per * * CFPB Bulletin 2014-01 * *.

# # # * * Requested Actions * * : - * * Immediate Correction * * via E-OSCAR system to resolve inaccuracies.

- * * Metro 2 Compliance * * : Update all accounts to reflect {$0.00} balances, closed status, and remove post-closure activity.

- * * Investigation * * under * * FCRA 611 ( a ) ( 1 ) * * within 30 days, per statutory requirements. 
- * * Deletion * * of duplicate entries and erroneous late payment markers. 

# # # * * Documentation * * : Copies of reports ( XXXX ) and account closure notices are attached. 

Failure to comply will result in escalation to the * * CFPB * * and legal action under * * FCRA 616 * * ( civil liability for negligent noncompliance ). 

Sincerely, * * XXXX 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