Consumer complaint received 2025-09-30 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:
To Whom It May Concern : I dispute the items below. You must ensure maximum possible accuracy ( 607 ( b ) ), conduct a reasonable, independent reinvestigation ( 611 ( a ) ( 1 ) ( A ) ; XXXX ), and delete unverifiable data ( 611 ( a ) ( 5 ) ( A ) ).

A ) Identity / Header Data Defects 1. Alias formatting defect Quote : Also Known As : XXXX, XXXX, XXXX. 
Law : 607 ( b ).

Metro 2 : Base Consumer Name ; Name Variation.

Why : Erroneous variation may mix files ; remove unsupported alias.

2. Address format discrepancy Quote : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Law/Metro 2 : 607 ( b ) ; Address / Date of Address Information.

Why : Ensure the effective date aligns with other bureaus ; inconsistent chronology misleads. 
B ) Tradeline / Furnisher Defects XXXX. XXXX Revolving XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Payment Status : Current, was past due 30 days, with a single XXXX in XX/XX/XXXX. 
Law : 607 ( b ).

Metro 2 : XXXX XXXX XXXX 
Why : A one-off XXXX must be supported by ledger evidence ( due date/receipt/posting ). Cross-bureau status conflict = inaccurate. 
XXXX. XXXX XXXX Revolving # XXXXXXXX XXXX XXXX XXXX  ) : Account previously in dispute now resolved, reported by data furnisher. 
Law : 611 ( a ) ( 1 ) ( A ) ; XXXX. 
Metro 2 : XXXX XXXX XXXX 
Why : CRA can not rely on furnishers say-so ; obtain business records or remove the remark. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status : Charge-off ; Balance/Past Due : {$34000.00} ; History shows XXXX beginning XXXX then OKs earlier. 
Law : XXXX ( b ) ; XXXX ( a ) ( XXXX ) ( A ). 
XXXX XXXX : AS=Charge-off ; PHP ; DOFD ; XXXX. 
Why : You must substantiate the delinquency progression and DOFD ; also furnish consistently to all CRAs ( missing on TU ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Payment Status : Charge-off ; Balance/Past Due : {$47000.00} ; XX/XX/XXXX sequence beginning XXXX. 
Law/Metro 2 : Same as XXXX XXXX. 
Why : Provide ledger proof of each delinquency milestone ; inconsistencies vs. XXXX  require correction or deletion. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status : Account transferred to another office. 
Law : 607 ( b ). 
Metro 2 : AS ; Special Comment Code ( AU/AC ) ; Transfer Date. 
Why : Other bureaus show Pays as agreed. Resolve contradiction or delete. 
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 Law : 607 ( b ). 
Metro 2 : XXXX, XXXX, XXXX, XXXX. 
Why : Same cycle can not have different balance/limit across CRAs. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX one account shows Monthly Payment : {$180.00} ( secured ), others {$1400.00} / {$510.00}. 
Law : 607 ( b ). 
Metro 2 : XXXX XXXX XXXX XXXX XXXX 
Why : Ensure XXXX aligns with note ; cross-bureau XXXX  conflicts must be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : INSTALLMENT ; Detail : Rental ; Payment Status : Paid satisfactorily. 
Law : 607 ( b ). 
Metro 2 : Portfolio Type ( should not mimic loan if pure rental ) ; Account Type.

Why : Rental contracts coded as installment loan are misleading. 
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 
Law : 604 ; 607 ( b ). 
Metro 2 : Inquiry Type/Industry Code ; Date of Inquiry. 
Why : Multiple same-day auto pulls are duplicative ; XXXX XXXX collector ) must show a permissible purpose. Provide signed applications/authorization or delete.

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