Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Experian Compliance Department, I am formally disputing the accuracy, integrity, and completeness of the above-referenced tradeline on my Experian consumer report. This account is being reported in direct violation of the Fair Credit Reporting Act ( FCRA 607 ( b ), 611, 623 ), FTC guidance, Metro 2 reporting standards, and the CDIAs 5 Pillars of Data Quality ( Accuracy, Integrity, Consistency, Timeliness, Completeness ).

After reviewing my report and comparing across CRAs, I demand immediate investigation and correction/deletion for the following violations : Itemized Violations False Payment Status ( Late 60 Days ) Violation : Account is Paid/Closed with {$0.00} balance & {$0.00} past due, yet Experian codes it as Late XXXX  Days. 


Metro 2 Violation : Field XXXX ( Account XXXX ) must be XXXX = Paid/Closed, not delinquent. XXXX XXXX ( XXXX XXXX ) must be XXXX = XXXX. 


XXXX XXXX : XXXX Disputes present/previous account status/payment rating.

FCRA Violation : 607 ( b ) ( maximum possible accuracy ).

CDIA Pillars Broken : Accuracy, Integrity, Consistency.

Re-aged Date of Last Activity ( DLA ) Violation : Experian reports XX/XX/XXXX as Date Last Active, while XXXX correctly XXXX XX/XX/XXXX. This is an illegal re-aging to make the account appear more recent.

Metro 2 Violation : Field XXXX ( Date of Account XXXX ) must reflect the actual closure date, not an invented date.

e-OSCAR Code : 016 Disputes DLA / Date Closed / Date Last Payment.

FCRA Violation : 623 ( a ) ( 2 ) duty to correct and update information.

CDIA Pillars Broken : Accuracy, Timeliness, Consistency.

Omission of Closed/Paid Comment Violation : TU & XXXX XXXX report closure comments. Experian omits this, misleadingly leaving only derogatory status. 


XXXX XXXX Violation : Field XXXX ( Special Comment ) requires accurate closure notation ( Closed/Paid, XXXX Balance ). 


XXXX XXXX : XXXX Consumer disputes comments. 


FCRA Violation : XXXX duty to investigate and correct disputed data. 


CDIA Pillars Broken : Completeness, XXXX. 



Date of Last Payment Inconsistency Violation : Experian lists XX/XX/XXXX while Equifax reports XX/XX/XXXX. 


Metro 2 Violation : Field XXXX ( Date of XXXX XXXX ) must exactly match verified creditor records. 


e-OSCAR Code : 016 Disputes Date of Last Payment.

FCRA Violation : 607 ( b ). 


CDIA Pillars Broken : Accuracy, Consistency. 



Incorrect Date Opened Violation : Experian reports XX/XX/XXXX, TransUnion reports XX/XX/XXXX. 


Metro 2 Violation : Field XXXX ( Date Opened ) must be precise and uniform across CRAs. 


e-OSCAR Code : XXXX Disputes Date Opened. 


FCRA Violation : 607 ( b ).

CDIA Pillars Broken : Accuracy, Consistency.

DEMAND FOR CORRECTION In light of the above : This tradeline is being reported in violation of FCRA, FTC regulations, Metro 2 standards, and CDIA compliance.

You are required under FCRA 611 to conduct a reasonable investigation and under 623 ( a ) ( 2 ) to correct or delete unverifiable, inaccurate, or incomplete information.

If you can not correct these violations with full Metro 2 compliance within 30 days, you must delete the tradeline in its entirety.

Notice of Intent If Experian fails to correct or delete these violations, I will : File complaints with the CFPB, FTC, and State Attorney General, Pursue damages under FCRA 616 & 617, Provide documentation of your violations in civil proceedings.

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