Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because inaccurate, inconsistent, and/or unverifiable information has been reported on my credit file by one or more credit reporting agencies ( CRAs ). I have attempted to resolve these issues directly with the credit bureaus and creditors but have not received proper resolution. The errors in my credit report are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines regarding medical debt reporting. Below is a summary of the issues and legal violations involved : Violation of FCRA 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in consumer credit reports. However, my credit report contains : Inaccurate Account Details : Discrepancies in account type ( e.g., Charge Off vs. Unknown ), past due amounts, and account statuses across XXXX, Experian, and XXXX. 
Inconsistent Reporting : Accounts are being reported differently across the credit bureaus, which demonstrates a failure to meet accuracy standards under FCRA 1681e ( b ).

Violation of FCRA 611 ( 15 U.S.C. 1681i ) : Despite disputing the inaccuracies and inconsistencies in my credit file, the credit bureaus have failed to properly investigate and correct the errors. The law requires credit reporting agencies to : Conduct a reasonable reinvestigation of disputed items within 30 days.

Remove or correct any unverifiable or inaccurate information. The lack of resolution violates my right to an accurate and fair credit report.

Metro 2 Compliance Violations : Metro 2 compliance standards establish uniform reporting guidelines to ensure accuracy and integrity in credit reporting. The errors on my credit report suggest that creditors or data furnishers are not properly adhering to these standards, particularly regarding : Consumer Information Indicators ( CII ) : Improperly coded account statuses.

Compliance Condition Codes ( CCC ) : Incorrect reporting of account balances, dates, and payment histories. This failure to comply with Metro 2 standards exacerbates the inaccuracies on my credit file.

Violation of CFPB Medical Debt Rule : Under the CFPBs 2025 rule, medical debt is prohibited from being included in credit reports. Despite this regulation, my credit report continues to reflect medical collections that should no longer be reported. Medical debt is often inaccurate or the result of billing disputes, and its inclusion violates both federal law and the CFPBs intent to protect consumers from unfair credit practices. My information was also impacted by the XXXX data breach. I demand these accounts be deleted immediately. Failure to address these violations and remove these accounts will result in further action, including escalation to regulatory authorities and legal remedies under the FCRA.

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