Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
Your credit reports dated XX/XX/XXXX contain inaccurate data in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro2 standards. I demand immediate correction of these factual errors and payment of {$1000.00} per violation under 15 U.S.C. 1681n. Failure to comply within 30 days will result in legal action.

TransUnion Disputes and Violations ( {$5000.00} ) : XXXX. Field XXXX ( Current Address ) : Reported as " XXXX XXXX XXXX  '' without " XXXX '' suffix. Fact : Correct address is XXXX XXXX XXXX XXXX Violates 15 U.S.C. 1681e ( b ). Correct immediately. 
XXXX. XXXX ( XXXXXXXX XXXX XXXX ), XXXX XXXX ( Date Opened ) : * * Reported as XX/XX/XXXX. Fact : I was XXXX XXXX XXXX, incapable of opening an account. Unverifiable per Metro2. Violates 15 U.S.C. 1681i ( a ) ( 1 ). Remove account. 
XXXX. XXXX XXXX  ( XXXXXXXX XXXX XXXX ), Field XXXX ( Payment Rating ) : * * Reported as " Late 60 Days, '' but Field XXXX ( Payment History ) shows only 30 days late in XX/XX/XXXX. Violates 15 U.S.C. 1681e ( b ). Correct to 30 days or remove derogatory status. 
XXXX XXXX Accounts, Field XXXX ( Scheduled Payment Amount ) : Inconsistent payments ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX  at {$38.00} vs. {$0.00} on Experian/Equifax ) XXXX Violates 15 U.S.C. 1681e ( b ). Verify and standardize across bureaus. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Account XXXX ) : * * Reports resolved dispute without consumer notification. Violates 15 U.S.C. 1681i ( a ) ( 6 ). Provide resolution proof or remove comment. 
Experian Disputes and Violations ( {$5000.00} ) : XXXX. Field XXXX ( Date of Birth ) : Reported as " XXXX, '' not XX/XX/XXXX. Fact : XXXX is XX/XX/XXXX. Violates 15 U.S.C. 1681e ( b ). Correct immediately. 
XXXX. XXXX  Accounts, Field XXXX ( Payment History ) : Reports XXXX day late payments ( e.g., XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ), but Field XXXX ( Account Status ) is " Current '' with deferred payments. Fact : Deferred loans can not be delinquent. Violates 15 U.S.C. 1681e ( b ). Remove late notations. 
XXXX. XXXX ( XXXXXXXX XXXX XXXX  ), Field XXXX ( Account Status ) : * * Reported as " Open, '' but TransUnion reports " Closed. '' Violates 15 U.S.C. 1681e ( b ). Verify and correct to " Closed. '' XXXX. Field XXXX ( Inquiries ) : Unauthorized inquiries ( e.g., XXXX XXXX XXXX NA, XX/XX/XXXX ). Fact : I did not authorize these. Violates 15 U.S.C. 1681b ( a ). Remove unverified inquiries. 
XXXX. XXXX XXXX  ( XXXXXXXX XXXX XXXX  ), Field XXXX ( Account Number ) : * * Incomplete number ( " XXXX * * '' ). Violates 15 U.S.C. 1681e ( b ). Correct to full number or remove account. 
Equifax Disputes and Violations ( {$5000.00} ) : XXXX. XXXX  ( XXXX * * ), Field XXXX ( XXXX XXXX ) : * * Reported as {$0.00}, not {$3500.00} as on TransUnion/Experian. Violates 15 U.S.C. 1681e ( b ). Correct to {$3500.00}. 
XXXX. XXXX Accounts, XXXX XXXX ( Terms Duration ) : Reported as " XXXX '' months, not XXXX as on TransUnion/Experian. Violates 15 U.S.C. 1681e ( b ). Correct to 120 months. 
XXXX. XXXX XXXX  XXXX ( XXXX * * ), Field XXXX ( High Credit ) : * * Reported as {$0.00}, not {$8400.00} as on TransUnion. Violates 15 U.S.C. 1681e ( b ). Correct to {$8400.00}. 
XXXX. XXXX XXXX XXXX * * ), Field XXXX ( Account XXXX ) : * * Not reported by Experian, causing inconsistency. Violates 15 U.S.C. 1681e ( b ). Verify and ensure consistent reporting. 
XXXX. Field XXXX ( Inquiries ) : Only XXXX inquiry reported vs. multiple on TransUnion/Experian. 
Violates 15 U.S.C. 1681e ( a ). Add all valid inquiries or explain omissions.

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