Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX RE : Formal Dispute of Inaccurate and Inconsistent Reporting 10 Accounts To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I am requesting a full reinvestigation and immediate correction or deletion of the following accounts due to factual inaccuracies, re-aging of debt, improper charge-off designations, incomplete reporting, and violations of Metro 2 data standards.

ACCOUNTS IN DISPUTE : XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status shows conflicting reporting between Closed and late payments, with dispute remarks improperly coded. 
Account balance is {$0.00}, but derogatory reporting remains. 
XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged off with {$0.00} balance and marked Paid, yet shows 120150 day late marks. 
No dispute flag applied ; status must be corrected or deleted. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Missing from Experian entirely, while reported by XXXX. 
Inconsistency violates FCRA 607 ( b ) regarding accurate and complete data. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off notations continue after the account was settled and balance resolved improper re-aging. 
Experian lists contradictory remarks such as Paid in Full for Less Than Balance and Account in Collection. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Continues to report monthly Charge-Off remarks long after final settlement. 
Last payment was made in XXXX, yet charge-offs continue into XXXX this is illegal re-aging and must be removed. 
XXXX ( XXXX XXXX XXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Shows Charged Off and Purchased by another lender these can not coexist unless proper transfer documentation is provided. 
Account is closed with {$0.00} balance, yet derogatory data remains. 
This is misleading under FCRA 623 ( a ) ( 5 ) and must be removed or verified with all original supporting documentation. 
XXXX Acct # XXXX XXXX XXXX  Paid and closed but continues to show Charge-Off notations well past the settlement date. 
Reports contradictory status : Paid in Full vs. Internal Collections. 
This violates FCRA and Metro 2 standards. 
XXXX  Acct # XXXXXXXX XXXX Shows 60-day late and transferred, yet status reflects paid and closed. 
Account should not show lingering derogatory status after transfer if balance is resolved. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX Experian reports account as Paid in Full for Less Than Full Balance, but also lists a sudden Charge-Off in XX/XX/XXXX, with no late payment history prior. 
This appears to be illegal re-aging and must be removed. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Listed as Derogatory and Charged Off even though balance is {$0.00} and payment was made in XX/XX/XXXX. 
XXXX recorded months later with no justification this suggests re-aging and timeline manipulation. 
ACTION DEMANDED : In accordance with FCRA 611, I request : A full reinvestigation of all XXXX accounts Deletion or correction of any account that can not be verified with original creditor documentation Documentation of : Method of verification Full account history and supporting documents Furnishers contact information NOTICE : If the above accounts are not corrected or deleted within 30 days, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Notify the Federal Trade Commission ( FTC ) Pursue legal remedies under FCRA 616 & 617 Attached are copies of my government-issued ID and proof of address for identity verification. 
Sincerely, XXXX XXXX SSN : XXXX DOB : XX/XX/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