Consumer complaint received 2025-06-07 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: KY

Complaint narrative:
Subject : Formal Complaint Inaccurate & Inconsistent Reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complained About : XXXX XXXXType : Bank / Credit Card IssuerAccount # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Summary : I am filing this complaint against XXXX XXXX and the credit bureaus ( Experian, Equifax, and TransUnion ) for failing to ensure accurate, consistent, and verifiable reporting of the above-mentioned account. The reporting contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and fails to meet Metro 2 compliance standards.

Violations & Inaccuracies Identified : 1. Inconsistent Account Ratings : * TransUnion & Experian report the account as Paid.

* Equifax reports it as Derogatory. 
2. This inconsistency creates confusion and damages my creditworthiness. ( 15 U.S.C. 1681e ( b ) ) 3. Incorrect High Balance : * Experian reports a high balance of {$0.00}, while TransUnion and Equifax show {$3200.00}.

4. This is materially false and impacts my debt-to-limit ratio.

5. Conflicting Date of Last Activity : * TransUnion and Experian show activity in 2024, while Equifax shows it as 2021.

6. This leads to potential re-aging of the debt and could extend negative reporting beyond the legal limit.

7. Contradictory Creditor Remarks : * TransUnion states : Payment after charge off.

* Experian states : Unpaid balance reported as a loss.

* Equifax states : Paid charge off.

8. The same debt can not be both paid and unpaid. This is a clear violation of Metro 2 reporting guidelines.

9. Incomplete/Missing Payment History : * TransUnion : None reported * Experian : 17 months of consecutive charge-offs * Equifax : No history shown 10. Bureaus are obligated to report accurate and complete history under 15 U.S.C. 1681e ( b ).

Legal Violations : * 15 U.S.C. 1681e ( b ) Inaccurate, inconsistent, and conflicting data across bureaus.

* 15 U.S.C. 1635 I was not properly notified of my rights nor given accurate disclosures.

* 15 U.S.C. 1692g No proper validation of debt was ever provided by XXXX XXXX XXXX  Metro 2 Guidelines The data is not reported in a consistent or compliant format.

Resolution Requested : I respectfully request : * Immediate deletion of this inaccurate XXXX XXXX account from all credit reporting agencies.

* Written confirmation that this account has been removed.

* Investigation into XXXX XXXX reporting practices and bureau procedures.

* Enforcement of compliance with federal laws and industry-standard Metro 2 formatting.

Supporting Documents : I have attached my credit report screenshots highlighting the inconsistencies and violations. I am prepared to provide additional documentation upon request. 

Sincerely, XXXX 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