Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XX/XX/XXXX Via Certified Mail Return Receipt Requested To : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX And : EXPERIAN Re : Formal Demand for Immediate Correction or Deletion Account # XXXX This letter serves as formal notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Metro 2 Credit Reporting Resource Guide. I have reviewed my consumer credit file and identified multiple material violations regarding the reporting of the above-referenced account.

The following violations are clear, willful, and actionable : 1. Reporting Past Due Amount After Charge-Off Metro 2 guidelines state that after a charge-off, the Past Due Amount should be reported as {$0.00}. 
Your reporting reflects a {$140.00} past due amount in XX/XX/XXXX despite the account being charged off in XX/XX/XXXX. This is inaccurate, misleading, and noncompliant with both XXXX XXXX and FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX. Re-Aging of Account The Date of First Delinquency ( DOFD ) is XX/XX/XXXX, yet you updated the balance in XX/XX/XXXX as if new delinquency occurred. This constitutes illegal re-aging under FCRA XXXX ( c ) and is a deceptive reporting practice designed to extend the derogatory impact beyond the XXXX reporting limit. 
XXXX. Improper Payment History After XXXX XXXX XXXX requires that once an account is charged off, payment history reporting should cease updating with new CO notations. Your report shows multiple CO entries month after month post-charge-off, which is a willful misrepresentation intended to make the account appear in continual delinquency. 
XXXX. Failure to Properly Code Consumer Dispute During my dispute, the account should have been coded with the XXXX XXXX Compliance Condition Code XB and reporting frozen until resolution. Instead, you continued to report derogatory information without proper dispute notation, violating FCRA 623 ( a ) ( 3 ).

5. Highest Balance Misrepresentation The account is reported with a {$220.00} highest balance on a {$200.00} limit. If this is not factually accurate, it constitutes false and misleading reporting under FCRA XXXX ( b ). 
Demand for Action You are hereby demanded to : 1. 2. Delete the above-referenced account from all consumer reporting agencies, OR Correct all violations listed above in full compliance with XXXX XXXX XXXX and the FCRA, and provide written proof of such corrections. 
Failure to comply within 15 days of receipt of this letter will result in my immediate initiation of a civil lawsuit seeking statutory damages of no less than {$1000.00} per violation under 15 U.S.C.

1681n and 1681o, plus actual damages, attorneys fees, and court costs.

This is not a request it is a demand. Preserve all records and communications related to this account for litigation purposes. 
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