Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
Dear Experian Dispute Department : Under FCRA 607 ( b ) you must assure maximum possible accuracy. Under FCRA 611 you must conduct a reasonable reinvestigation and delete/correct any inaccurate or unverifiable information. XXXX XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ), you must do more than parrot furnishers. If you can not independently verify with documentary evidence, delete the items in full. I also place you on notice of XXXX XXXX ( XXXX C.F.R. Part XXXX ) and GLBA XXXX obligations. The conflicts below indicate data-integrity failures ; if tied to any security lapse, treat this as a data-breach notice and provide incident details and remediation. 
A. Personal Information Errors Name/Address Variants : File shows XXXX XXXX XXXX XXXX XXXX XXXX and XXXX prior addresses. Please retain only my full legal name XXXX XXXX and current address above ; suppress/remove any variant names/addresses not supported by my government ID and current utility/lease ( enclosed ). 
XXXX XXXX : Your consumer statement reflects an ID security alert ( XX/XX/XXXX ) with callback XXXX. Confirm it is properly coded per FCRA 605A ; provide your method of placing/verifying and ensure no adverse coding depresses scores. 
XXXX XXXX XXXX XXXX. XXXXXXXX XXXX Authorized User ( opened XX/XX/XXXX ) Your file shows Open/Current. Ensure no derogatory codes or dispute flags are attached. Provide Method of Verification and ensure XXXX dates ( Open, Last Payment, Date of Account Info ) are consistent with the source statements. 
XXXX CREDIT XXXX BANK NA AU ( opened XX/XX/XXXX ; closed XX/XX/XXXX ) You report XXXX request. Confirm no residual dispute/XB codes exist. Provide MOV. 
XXXX. XXXX XXXX ( opened XX/XX/XXXX ) Confirm balance/limit/date reported align with furnisher records and peers ( TU/EQ ). Remove any stale dispute codes. Provide MOV. 
XXXX. SUMMIT A * R Medical Collection ( {$980.00} ; Acute Physical Therapy ; opened XX/XX/XXXX ; you report XX/XX/XXXX ) Violations/defects : Medical debt requires strict documentation. Provide : ( a ) itemized statement/EOB, ( b ) proof of assignment/chain of title, ( c ) HIPAA-permitted disclosure authority from the provider to the collector/CRA, ( d ) DOFD ( date XXXX first delinquency ) establishing obsolescence period, and ( e ) contract/consent tying me to the services. Codes are not proof. 
If you can not produce documentary proof meeting XXXX standards, delete the collection in full. 
XXXX fields at issue : 12 ( Status ), 32 ( Balance ), 37 ( Date of Account Info ), 40 ( Date of Last Payment ), 35 ( Payment History ), XX/XX/XXXX ( Limit/High Credit where applicable ). 
C. Demands ( All Items ) 1. Independent reinvestigation and documentary verification ( not XXXX parroting ). 
2. Delete or correct any item you can not verify to that standard ( 611 ( a ) ( 5 ) ( A ) ). 
3. Remove all dispute/XB codes where no active dispute exists. 
4. Provide updated report and full XXXX of XXXX ( 611 ( a ) ( 7 ) ) within 30 days.

5. If conflicts stem from a data breach, provide your incident report per GLBA/Reg V. 
Failure to comply will prompt CFPB/FTC/AG complaints and XXXX XXXX of damages under FCRA 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