Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : FORMAL DISPUTE OF INACCURATE CREDIT INFORMATION Account Number : XXXX Creditor : XXXX XXXX XXXX To Whom It May Concern : I am writing in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute inaccurate information appearing on my credit report. After careful review, I have identified multiple violations of Metro 2 Format requirements and CRRG guidelines in the reporting of the above-referenced account. 
IDENTIFIED VIOLATIONS : 1. Inaccurate Account Status and Payment History Coding ( 15 U.S.C. 1681e ( b ) ) My credit report shows inconsistent and improper Metro 2 coding for XX/XX/XXXX ( 30 days past due ) and XX/XX/XXXX ( 60 days past due ), followed by a XXXX XXXX According to CRRG guidelines, when an account is closed with a XXXX balance ( Account Status code 13 ), the Payment Rating must accurately reflect the status at the time of closure. The current reporting creates a misleading impression about my payment history in violation of Metro 2 Format requirements.

2. Failure to Follow Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) The furnisher has failed to maintain proper Metro 2 Format compliance by erroneously reporting account information that does not conform to the standardized electronic data reporting format mandated by the credit reporting industry. This constitutes a failure to follow reasonable procedures to assure maximum possible accuracy. 
3. Violation of the Duty to Report Complete and Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ) The FCRA requires furnishers to provide accurate and complete information to credit reporting agencies. The current reporting of this account contains materially misleading information, as the Metro 2 Format codes being used do not properly reflect the accounts true status according to CRRG guidelines.

4. Failure to Properly Handle Consumer Disputes ( 15 U.S.C. 1681i ) In XX/XX/XXXXXXXX XXXX the Consumer Financial Protection Bureau ( CFPB ) filed a major lawsuit against Experian for conducting sham investigations of credit report errors. The CFPB specifically alleged that Experian violated the FCRA by failing to properly investigate consumer disputes, failing to delete inaccurate information, and improperly reinserting previously deleted information on consumer reports. CFPB Director XXXX XXXX stated that when consumers disputed errors on their credit reports, Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law. This enforcement action highlights the exact type of violations I believe are occurring with my account. 
5. Improper Account Status Reporting The CRRG specifically outlines proper reporting procedures for accounts with historical late payments that are subsequently closed or paid. The current reporting violates these guidelines by continuing to report delinquency information in a manner inconsistent with Metro 2 Format requirements.

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