Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian because my Experian credit file contains multiple tradelines that are inaccurate, incomplete, and misleading, in violation of the Fair Credit Reporting Act ( FCRA ) including but not limited to 15 U.S.C. 1681e ( b ) ( duty to assure maximum possible accuracy ) and 1681i ( duty to conduct a reasonable reinvestigation ). 

Experians reporting also conflicts with the industry-standard Metro 2 Credit Reporting Resource Guide , especially for Account Status, Payment Status, Payment History Profile, High Credit/Credit Limit , and Date of First Delinquency ( DOFD ). 

Below are the specific accounts and errors on my Experian file : XXXX. XXXX XXXX XXXX XXXX Experian acct ending XXXXXXXX XXXX XXXX Experian shows this lease as Account Status : Paid with balance {$0.00} and terms of 12 months, but at the same time lists Payment Status : Collection/Chargeoff and comments that the account is seriously past due/ assigned to attorney or collection agency. 
The account is paid with {$0.00} balance. A paid/closed lease can not simultaneously be coded as a current collection/charge-off. This is internally inconsistent and not maximum possible accuracy as required by FCRA 1681e ( b ). 
The payment history shows a XXXX  / XXXX / XXXX pattern followed by multiple OK codes, but Experian has not updated the final status to a non-derogatory Paid / Closed in the Metro 2 Account Status and Payment Rating fields.

Under Metro 2, once a lease is paid with a XXXX balance, the Account Status must reflect Paid/Closed, and any collection notation should be historical only not an ongoing Collection/Chargeoff status. 

Requested fix : Correct this tradeline to show Paid/Closed {$0.00} balance, no current collection/chargeoff status, or delete the tradeline if Experian can not verify the accurate final status and coding with the furnisher. 



XXXX. XXXX XXXX Experian acct ending XXXX XXXX XXXX XXXX XXXX Experian reports this secured loan as Account Status : Paid ; Balance {$0.00} ; High Credit {$3100.00} ; Past Due {$0.00}, which is correct, but lists Payment Status : Unknown even though the comments clearly state the account was legally paid in full for less than the full balance. 
Leaving Payment Status as Unknown on a settled, paid account is incomplete and misleading. Under Metro 2, a settled/paid account should use the appropriate Account Status/Payment Rating code ( Paid/Settled Less Than Full Balance ) so future creditors see the true final status. 
An Unknown status suggests Experian does not know whether this is derogatory or paid, which fails the 1681e ( b ) requirement to maintain accurate and complete information. 

Requested fix : Update the Payment Status and Account Status fields to clearly reflect Paid/Settled Less Than Full Balance, Closed, {$0.00} balance in full Metro 2 compliance, or delete the tradeline if Experian can not obtain correct coding from the furnisher. 



XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Experian acct ending XXXXXXXX XXXX XXXX XXXX XXXX  Experian reports this as a collection/chargeoff with balance {$460.00} and high credit {$460.00}, but does not clearly disclose the Date of First Delinquency ( DOFD ) on the account. 
FCRA 1681c ( a ) ( 4 ) requires negative accounts to be removed 7 years from DOFD. Without a clearly reported DOFD, Experian can not ensure the collection will be purged on time, and I can not verify that it has not been re-aged. 
The account has been updated as recently as XX/XX/XXXX, even though the underlying delinquency occurred earlier. Updating the Last Reported date without properly anchoring DOFD is a classic re-aging problem and violates 1681e ( b ) and 1681i. 
Under Metro 2, collection furnishers are required to supply the FCRA Compliance/DOFD field, and the CRA must maintain it correctly. 

Requested fix : Require Experian to obtain and disclose the accurate DOFD from the original creditor. If Experian can not document the correct DOFD or if the true DOFD is beyond the legal reporting period, this collection must be deleted. 



XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Experian acct ending XXXXXXXX XXXX XXXX Experian reports this as a collection/chargeoff with balance {$880.00} and comments Customer disputed account reported by subscriber, but again no clear DOFD is shown to the consumer. 
The account continues to be updated through XX/XX/XXXX, which makes the derogatory item appear newer than it really is and creates a risk of re-aging under FCRA 1681c ( a ) ( 4 ).

Under FCRA 1681e ( b ) and Metro 2, Experian must maintain an accurate DOFD and can not repeatedly refresh the Last Reported date to keep a collection alive. 

Requested fix : Experian must ( a ) obtain and accurately report the DOFD, ( b ) ensure the reporting period is correctly calculated, and ( c ) delete this tradeline entirely if the DOFD can not be proven or is beyond the 7-year limit. 



XXXX. XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ) Experian acct ending XXXXXXXX XXXX XXXX Experian shows this as a collection/chargeoff with balance {$2600.00} and high credit {$2600.00}, comments Customer disputed account reported by subscriber, and Last Reported date XX/XX/XXXX. 
As with the other collections, Experian does not clearly list DOFD, yet continues to refresh Last Reported, which artificially extends the derogatory impact and indicates potential re-aging in violation of FCRA 1681c ( a ) and 1681e ( b ).

Metro 2 requires the furnisher to provide the DOFD and for the CRA to maintain it correctly to prevent re-aging.

Requested fix : Experian must either ( 1 ) clearly show and use the correct DOFD and adjust/remove the tradeline based on that date, or ( 2 ) delete this collection if DOFD can not be fully verified from the original creditors records. 



XXXX. XXXX XXXX Experian acct ending XXXXXXXX XXXX XXXX XXXX XXXX Experian lists this auto loan as Account Status : Paid with balance {$0.00}, but shows High Credit = {$0.00} ( which is impossible on a loan that clearly existed ) and Payment Status : Unknown. 
The payment history grid for Experian shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX even though the account has a {$0.00} balance and is described as legally paid in full for less than the full balance. 
This is blatantly contradictory : a paid auto loan with {$0.00} balance can not have an ongoing pattern of current CO payment codes. Under Metro 2, once a loan is settled/paid, Account Status should reflect Paid/Settled, and Payment History should show the true delinquency period, not a long string of CO codes after payoff. 
This inaccurate and exaggerated derogatory pattern violates FCRA 1681e ( b ) and shows Experian did not conduct a reasonable reinvestigation under 1681i when the dispute was supposedly resolved. 

Requested fix : Correct this tradeline to show accurate high credit, a proper Paid/Settled Closed status, and payment history that does not show repeated XXXX  codes after payoff. If Experian can not obtain correct data from XXXX XXXX, this account should be deleted. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Experian acct ending XXXXXXXX XXXX XXXX XXXX XXXX Experian reports this family-support installment as Account Status : Paid, Balance {$0.00}, Payment Status : XXXX, but the payment history grid shows XXXX late codes in a series of months even while the account is now paid and current. 
My payment records do not support these severe delinquencies, and they are not reported in the same way by the other bureaus, demonstrating that Experians version is inaccurate.

Under FCRA 1681e ( b ), Experian must verify the accuracy of derogatory codes, especially XXXX/XXXX/XXXX lates on a support obligation, which dramatically affect creditworthiness. Metro 2 requires accurate payment history and current status, not a mixture of Paid/Current and ongoing severe lates. 

Requested fix : Remove the inaccurate XXXX late markers from the payment history and ensure the tradeline reflects Paid/Current with {$0.00} balance. If Experian can not substantiate the late codes with objective payment records from the agency, they must be removed. 



XXXX. XXXX XXXX XXXX Experian acct ending XXXXXXXX XXXX XXXX XXXX XXXX Experian reports this as an open account / collection/chargeoff, with balance {$690.00}, past due {$690.00}, and comments that the account is seriously past due and assigned to collections. 
Yet the payment history row for Experian shows OK for all months, while the account is coded as a collection/chargeoff. 
This is an obvious Metro 2 violation : a collection/chargeoff can not have a perfect OK payment history at the same time. It either is a collection ( with appropriate derogatory history ) or it is an open, current account not both. 
This misrepresentation violates FCRA 1681e ( b ) because it does not present a coherent or accurate view of the accounts status or history.

Requested fix : Either ( 1 ) correct this tradeline to reflect the true status and accurate payment history ( with a proper closed/zero balance if applicable ), or ( 2 ) delete the tradeline entirely if Experian can not prove the account data and history are accurate. 



XXXX. XXXX Experian acct ending XXXXXXXX XXXX XXXX XXXX XXXX Experian lists this auto loan as Account Status : Paid, Balance {$0.00}, but Payment Status : Late XXXX  Days, and the payment history shows a long string of XXXX late codes even after the loan was closed and paid. 
Once an installment loan is paid and closed with a {$0.00} balance, the current Payment Status should no longer be Late XXXX  Days. Any delinquencies must remain as historical codes only, not the present status. 
Maintaining an active XXXX XXXX  Days status on a paid loan is misleading and fails the 1681e ( b ) accuracy requirement. It also suggests Experian did not conduct a reasonable reinvestigation under 1681i when the account closed. 

Requested fix : Change the current status to Paid / Closed, {$0.00} balance and leave any legitimate prior lates only as historical payment codes. If Experian can not verify those late codes with detailed records from the lender, then the late history must be removed and/or the tradeline deleted. 



XXXX. XXXX  XXXX Experian acct ending XXXXXXXX XXXX XXXX XXXX XXXX Experian reports this revolving account as XXXX / XXXX with a {$300.00} limit and {$310.00} balance, but the payment history includes a XXXX late marker in XX/XX/XXXX. 
My records show this payment was made on time, and the other bureaus do not report this XXXX late, which means Experian is the outlier. 
Under FCRA 1681e ( b ), Experian must assure maximum possible accuracy and can not keep a derogatory late marker that is unsupported by evidence and inconsistent with the other CRAs. Metro 2 requires correct payment status coding for each month ; an incorrect XXXX late violates that standard. 

Requested fix : Remove the inaccurate XXXX late from XX/XX/XXXX and report this tradeline as never late / current, unless Experian can produce objective proof from XXXX XXXX that a full XXXX delinquency actually occurred.

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