Consumer complaint received 2025-09-12 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:
I dispute the items identified below under FCRA 607 ( b ) and demand reinvestigation under 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ). Codes are not proof. Under XXXXXXXX XXXX  you must obtain independent verification ( not mere XXXX  parroting ) or delete. 
Inquiries disputed ( verify XXXX purpose or delete ) : XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). Provide written authorization/permissible-purpose documentation for each. 
Enclosures : ID, proof of address, highlighted pages. 
Sincerely, [ Your Name ] XXXX ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX Codes & Past-Due Facts ( verbatim excerpts ) : Balance {$34000.00} ; Past Due {$1200.00} ; Payment Status : PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX : FCRA 607 ( b ) ; 611 ( a ) ( 1 ) ( A ), ( a ) ( 5 ) ( A ) ; Reg V 1022.41.43.

Metro 2 : Field XXXX ( Account Status ) ; Field XXXX ( Payment Rating ) ; Field XXXX ( Payment History Profile ) ; Field XXXX ( Scheduled Monthly Payment ) ; Field XXXX ( FCRA XXXX ) if XXXX ever occurred. 
Explanation : Any late coding must reconcile with documentary ledger evidence ( statement due date receipt/posting ). Inconsistent narratives ( was XXXX while currently XX/XX/XXXX ) must track actual receipts. 
Demand : I dispute every late month on this tradeline : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XXXX XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ( and any other late codes on your system ). Produce running statements/ledger proving due date, receipt, and posting for each. 
Codes are not proof. If you can not verify to XXXX standards, delete the late codes or the entire tradeline. 
Enclosures : Annotated history, ID, proof of address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off Misreported with Past Due Facts : Payment Status : Charge-off Past Due : {$30000.00} ; Balance {$30000.00} ; Last Reported XX/XX/XXXX. 
Law : FCRA 607 ( b ) ; 611 ; Reg V 1022.41.43.

Metro 2 : Field XXXX = XXXX ( Charge-off ) ; Past Due should not be carried post-CO ; CO Amount must be in the charge-off fields ; Field XXXX should cap delinquency at CO month ; Field XXXX ( DOFD ) required under XXXX ( a ) ( XXXX ). 
Explanation : Carrying a current XXXX XXXX after CO overstates active delinquency and is inaccurate. 
Demand : Provide charge-off worksheet and full ledger ; correct to eliminate XXXX XXXX XXXX ( and supply DOFD ). If unverifiable, delete the tradeline. 
Late-month list : I dispute all months coded XXXX and the CO month. 
XXXX ) XXXX XXXX ( XXXX XXXX ) CO + Past Due Facts : Payment Status : Charge-off Past Due : {$36000.00} History shows XX/XX/XXXX in XXXX ; Last Reported XX/XX/XXXX. 
Law / XXXX XXXX / Demand : Same as # XXXX ( CO must not carry current Past Due ; provide DOFD ; fix or delete ). 
Late-month list : All XXXX & CO month disputed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO + Past Due Facts : Payment Status : Charge-off Past Due : {$8200.00} ; Last Reported XX/XX/XXXX. 
XXXX / XXXX XXXX/ Demand : Same as # XXXX. 
Late-month list : All late/CO months disputed. 
XXXX ) XXXX XXXX ( XXXX XXXX ) CO + Past-Due Facts : Payment Status : Charge-off Past Due : {$15000.00} ; Last Reported XX/XX/XXXX. 
XXXX / XXXX XXXX/ Demand : Same as # XXXX. 
Late-month list : All late/CO months disputed. 
XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Facts : Payment Status : Charge-off Past Due : {$10000.00} ; Comment : Completed investigation of FCRA dispute consumer disagrees ; history shows XXXX ( XXXX ). 
Law : 607 ( b ) ; 611 ; 623 ( a ) ( 3 ) ( duty to note dispute accurately ) ; 623 ( a ) ( 5 ) ( XXXX ). 
XXXX XXXX : Field XXXX = XXXX ; XXXX XXXX should not be current post-CO ; XXXX XXXX ; XXXX XXXX. 
Demand : Provide ledger and CO basis ; correct ( remove current XXXX XXXX ; furnish XXXX ; maintain dispute notation properly ) or delete. 
Late-month list : All lates including the XXXX  month and CO month disputed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Segments with Balance > High Credit Prepare XXXX letter per segment ( numbers below ). Each letter uses the same structure : Law : FCRA 607 ( b ) ; 611 ; ( if any segment ever XXXX or worse ) XXXX ( a ) ( XXXX ) DOFD. 
XXXX XXXX : Field XXXX ( High Credit ) must be Balance ; ensure valid Field XXXX code ( not Indeterminate ) ; align Field XX/XX/XXXX ; include Field XXXX if applicable. 
Demand : Correct math and coding or delete; produce ledger. Codes are not proof. If unverifiable to XXXX standard, delete under 1681i ( a ) ( 5 ) ( A ).

Late-month list : No late codes shown in this snapshot ; any and all late months ( if present ) are disputed. 
Segments ( each gets its own letter with the figures shown ) : XXXX XXXX ( Opened XX/XX/XXXX ) : Balance {$44000.00} vs High Credit {$43000.00} EX XXXX  ( Opened XX/XX/XXXX ) : Balance {$38000.00} vs High Credit {$36000.00} EX XXXX  ( Opened XX/XX/XXXX ) : Balance {$18000.00} vs High Credit {$18000.00} EX XXXX  ( Opened XX/XX/XXXX ) : Balance {$6800.00} vs High Credit {$6800.00} EX XXXX  ( Opened XX/XX/XXXX ) : Balance {$18000.00} vs High Credit {$18000.00} EX XXXX  ( Opened XX/XX/XXXX ) : Balance {$3500.00} vs High Credit {$3400.00} EX XXXX  ( Opened XX/XX/XXXX ) : Balance {$3400.00} vs High Credit {$3400.00}

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