Consumer complaint received 2025-06-22 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: AL

Complaint narrative:
b'I am filing a complaint because my creditor is reporting late payments on my account# XXXX) that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without proper validation or documentation. Under 15 U.S.C. 1681-S2A, furnishers must report accurate information. Under 15 U.S.C. 1681-I, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.\n\n# DISPUTE LETTER\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nExperian Credit Reporting \nXXXX XXXX XXXX XXXX XXXX XXXXRE: Formal Dispute of Inaccurate Credit ReportingXXXX XXXXConsumer Name:XXXX XXXX XXXX XXXXSocial Security Number:XXXX XXXX \n**Date of Birth:** XXXX\n\n---\n\n## DISPUTE REGARDING XXXX XXXX XXXX XXXX\n\n**Account Number:** XXXX  \n**Account Type:** Unsecured  \n**Original Balance:** XXXX  \n**Date Opened:** XXXX\n\n---\n\n## LEGAL VIOLATIONS AND INACCURACIES\n\n### 1. FAIR CREDIT REPORTING ACT VIOLATIONS - 15 U.S.C.  1681s-2\n\nThis account contains multiple inaccuracies and violations of the Fair Credit Reporting Act (FCRA). Under 15 U.S.C.  1681s-2, furnishers of information have a duty to provide accurate information to credit reporting agencies. The following violations are evident:\n\n**a) Inaccurate Payment History Reporting:**\n- The payment history grid shows inconsistent and potentially inaccurate payment statuses\n- Payment dates and amounts do not align with the balance history provided\n- The account shows payment activity that contradicts the "Paid, Closed" status\n\n**b) Misleading Account Status:**\n- Account is marked as "Paid, Closed" but shows ongoing payment obligations\n- The reinvestigation note indicates unresolved disputes from XXXX  XXXX\n\n### 2. FAIR CREDIT BILLING ACT VIOLATIONS - 15 U.S.C.  1666b\n\nThe account reporting violates the Fair Credit Billing Act provisions regarding:\n\n**a) Improper Billing Dispute Handling:**\n- The account shows unresolved billing disputes as indicated in the reinvestigation section\n- Failure to properly investigate and resolve billing error claims\n- Continued negative reporting during pending dispute resolution\n\n**b) Inadequate Response to Consumer Disputes:**\n- The notation "This item remained unchanged from our processing of your dispute in XXXX XXXX" suggests improper dispute handling procedures\n\n### 3. TRUTH IN LENDING ACT VIOLATIONS - 15 U.S.C.  1637(a)\n\nThe account reporting fails to comply with Truth in Lending Act requirements:\n\n**a) Inadequate Disclosure:**\n- Payment terms and conditions not properly disclosed\n- Interest rate and finance charge calculations not transparent\n- Original credit terms appear inconsistent with payment history\n\n### 4. METRO 2 FORMAT VIOLATIONS\n\nThe account reporting contains the following Metro 2 compliance violations:\n\n**a) Inconsistent Data Reporting:**\n- Payment history codes do not align with account balance progression\n- Date of last activity conflicts with payment history timeline\n- Account status inconsistent with payment performance indicators\n\n**b) Misleading Information:**\n- Balance amounts show static XXXX  for multiple months despite XXXX scheduled payments\n- Payment amounts do not reflect proper principal reduction\n- Account closure date conflicts with ongoing payment obligations\n\n---\n\n## SPECIFIC INACCURACIES REQUIRING CORRECTION OR DELETION\n\n1. **Payment History Inaccuracies:** The payment grid shows contradictory information with check marks and numbers that don\'t correlate with actual account performance.\n\n2. **Balance Reporting Errors:** The balance remained static at XXXX for multiple months (XXXX XXXX) despite showing XXXX scheduled payments, which is mathematically impossible.\n\n3. **Account Status Misrepresentation:** Account marked as "Paid, Closed" while showing active payment schedules and unresolved disputes.\n\n4. **Date Discrepancies:** Payment dates, balance update dates, and account status dates contain inconsistencies.\n\n5. **Reinvestigation Issues:** The account shows unresolved dispute processing, indicating potential FCRA procedural violations.\n\n---\n\n## REQUESTED ACTIONS\n\nUnder the Fair Credit Reporting Act, 15 U.S.C.  1681i, I formally request:\n\n1. **IMMEDIATE INVESTIGATION** of all inaccuracies listed above\n2. **DELETION** of this entire account if inaccuracies cannot be verified as accurate\n3. **CORRECTION** of all payment history, balance, and status information if account is verified\n4. **NOTIFICATION** to all parties who received this inaccurate information within the past 6 months (or 2 years for employment purposes)\n\n---\n\n## SUPPORTING DOCUMENTATION\n\nEnclosed please find:\n- Copy of current credit report showing the disputed account\n- Copy of government-issued photo identification\n\n---\n\n## LEGAL NOTICE\n\nPlease be advised that this dispute is made under penalty of perjury and with full knowledge of my rights under federal law. Any failure to properly investigate and respond to this dispute within 30 days may result in additional legal action.\n\nI expect your complete compliance with all applicable federal laws, including but not limited to the Fair Credit Reporting Act (15 U.S.C.  1681 et seq.), Fair Credit Billing Act (15 U.S.C.  1666b), and Truth in Lending Act (15 U.S.C.  1637(a)).\n\n---\n\n## RESPONSE REQUIRED\n\nPlease provide written confirmation of your investigation results and any actions taken regarding this dispute within 30 days of receipt of this letter, as required by law.\n\nSincerely,\n\nXXXX 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