Consumer complaint received 2025-10-13 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:
Your file shows Legally paid in full for less than the full balance ( last reported XX/XX/XXXX ), while Equifax reports a charge-off through XX/XX/XXXX. You also fail to display the DOFD. 
Law/Metro 2 : FCRA 607 ( b ), 611, 623 ( a ) ( 5 ) ; Reg V 1022.42. Fields : 25 DOFD, 17A, 24, 71. 
Dispute ( all late months ) : I dispute all XXXX months on this tradeline. 
Demand : Running statements/ledger ( due date receipt posting ) for each disputed month. Codes proof. Obtain independent verification per XXXX or delete under 1681i ( a ) ( 5 ) ( A ). CFPB/FTC/AG and XXXX reserved . 
Enclosures : ID, address proof, EX XXXX page + comparator XXXX page. 
2 ) Experian XXXX ( XXXX / XXXX ) impossible dates ; 150-day past due vs deferment To : Experian, XXXX XXXX XXXX XXXXXXXX, TX XXXX Re : XXXX XXXX ( Accts XXXX and XXXX ) Your file shows Payment deferred/ Current, was past due 150 days, with Date Last Active XX/XX/XXXX but Date of Last Payment XXXXchronologically impossible and materially misleading. 
Law/Metro 2 : FCRA 607 ( b ), 611 ; Reg V 1022.42 ( b ) ( 1 ) ; Fields : XXXX Date of Last Payment, XXXX Date of Account Info, XXXX XXXX, XXXX, XX/XX/XXXX. 
Dispute ( all late months ) : I dispute every coded late ( XXXX ) on both loans. 
Demand : Running statements/ledger for each disputed month and documentation of deferment/forbearance periods proving no late reporting during protected months. Codes proof. If not independently verified per XXXX, delete derog data or the tradelines pursuant to 1681i ( a ) ( 5 ) ( A ). Remedies reserved ( XXXX ; CFPB/FTC/AG ) . 
Enclosures : ID, address proof, EX pages. 
3 ) Experian XXXX ( CO ; DOFD & past-due precision ) To : Experian, XXXX XXXX XXXX XXXXXXXX, TX XXXX Re : XXXXXXXX XXXX ( Acct XXXX ) You report a charge-off with a large Past Due but do not display the DOFD. 
Law/Metro 2 : FCRA 623 ( a ) ( 5 ), 607 ( b ), 611 ; Reg V 1022.42 ; Fields : XXXX DOFD, XXXX Amount Past Due, XXXX Balance, XXXX XXXX, XXXX, XXXX. 
Dispute ( all late months ) : I dispute all months coded XXXX and CO on this tradeline. 
Demand : Running statements/ledger ( due date receipt posting ) for each disputed month and the exact DOFD. Codes proof. If not independently verified per XXXX, delete derog data or the tradeline under 1681i ( a ) ( 5 ) ( A ). CFPB/FTC/AG & XXXX reserved . 
Enclosures : ID, address proof, EX page. 
4 ) Experian XXXX XXXX ( XXXX ) two 30-day lates ( Current, was past due 30 days two times ) To : Experian, XXXX. XXXX XXXXXXXX XXXX TX XXXX Re : XXXX XXXX ( Acct XXXX ) Your file says Current, was past due 30 days two times. I dispute those lates in full. 
Law/Metro 2 : FCRA 607 ( b ), 611 ; Reg V 1022.42 ( b ) ( 1 ) ; Fields : XXXX XXXX XXXX Payment Rating, XXXX XXXX. 
Demand : Running statements/ledger for each late month ( e.g., the two 30-day months in XXXX you coded ), showing due date receipt posting. Codes proof. If not independently verified under XXXX, delete the late data or the tradeline per 1681i ( a ) ( 5 ) ( A ). Remedies reserved ( XXXX ; CFPB/FTC/AG ) . 
Enclosures : ID, address proof, EX page. 
5 ) Experian XXXX ( XXXX ) Paid, was past due 30 days To : Experian, XXXX XXXX XXXXXXXX, XXXX, TX XXXX Re : XXXX ( Acct XXXX ) Your file states Paid, was past due 30 days. I dispute that derogatory coding. 
Law/Metro 2 : FCRA 607 ( b ), 611 ; Reg V 1022.42 ; Fields : 2XXXX XXXX XXXX XXXX XXXX. 
Dispute ( all late months ) : I dispute every month you coded 30 on this account. 
Demand : Running statements/ledger ( due date receipt posting ) for the month ( s ) coded XXXX. Codes proof. If not independently verified ( XXXX ), delete under 1681i ( a ) ( 5 ) ( A ). 
CFPB/FTC/AG & XXXX reserved . 
Enclosures : ID, address proof, EX page.

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