Consumer complaint received 2025-09-14 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: FL

Complaint narrative:
Subject : Demand for Correction of Personal Identifiers ( XXXX XXXX XXXX ) Re : Experian Report Date : XX/XX/XXXX | Consumer : XXXX XXXX XXXX | Current Address shown : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX To Experian Dispute Department : I dispute the accuracy/completeness of my identifying information. XXXX  shows a different legal name string ( XXXX XXXX XXXX ), and address strings across CRAs are inconsistent ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and prior addresses XXXX XXXX XXXX XXXX XXXXXXXX ). This inconsistency risks file mixing. 
FCRA : 607 ( b ) ( maximum possible accuracy ) ; 611 ( a ) ( 1 ) ( A ) ; 611 ( a ) ( 5 ) ( A ).

Metro 2 ( Base Segment ) : Field XXXX Surname ; Field XXXX First Name must reflect my single, correct legal name XXXX XXXX XXXX. 
Field XXXX Street Address ; City/State/Zip must use a single standardized XXXX format for current/previous addresses.

Demand : Correct my name to a single legal string and standardize address formatting across all associated records. Provide Method of Verification ( MOV ) under 611 ( a ) ( 7 ).

Late Months Disputed : To the extent any late codes exist in your Metro 2 Payment History Profile for XX/XX/XXXX XX/XX/XXXX ( 24 months ), all months are disputed. 
Independent Verification Required : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; codes are not proofproduce documentary evidence you relied upon. If you can not independently verify to FCRA standards, delete the inaccurate identifiers. Absent correction, I will escalate to XXXX and pursue remedies under 616617. 
Sincerely, XXXX XXXX XXXX XXXX ) XXXX  XXXX ( Account ending XXXXXXXX XXXX XXXX XXXX XXXX ) Balance Mismatch Subject : InaccuracyConflicting Balance Reporting Tradeline : XXXX  XXXX | Opened XX/XX/XXXX | Balance on XXXX  : {$2900.00} vs XXXX : {$2900.00} | Last Reported ( XXXX  ) : XX/XX/XXXX FCRA : 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ).

Metro 2 : Field XXXX Current Balance ; Field XXXX Date of Account Information ; Field XX/XX/XXXX Payment Rating/History Profile. 
Facts : Experian shows {$2900.00} while XXXX XXXX {$2900.00} for the same period materially inconsistent. 
Demand : Investigate and correct to a single, verified balance for the reporting cycle or delete the tradeline from Experian. Provide MOV ( 611 ( a ) ( 7 ) ) and the billing ledger/running statements demonstrating due date, receipt, and posting for each month in the XXXX window. 
Late Months Disputed : XX/XX/XXXX XX/XX/XXXX ( all months ). 
Independent Verification/ Deletion : XXXX ( XXXX XXXX XXXX ). If not verified to this standard, delete. XXXX escalate to XXXX and XXXX XXXX XXXX if needed. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Transferred Mortgage XXXXXXXX XXXX XXXX XXXX XXXX ) Transfer Coding/Status Subject : InaccuracyConflicting Transferred/Current/Paid Status & Improper Transfer Coding Tradeline : XXXX XXXX XXXX | Opened XX/XX/XXXX | Comments : Transferred to another lender | Last Reported ( XXXX  ) : XX/XX/XXXX FCRA : 607 ( b ) ; 611 ( a ) ( 1 ) ( A ).

Metro 2 : Field XXXX Account Status ; Field XXXX Compliance Condition Codeshould reflect BP ( Bought by Another Lender ) ; Field XXXX Current Balance ( should be {$0.00} at transfer ) ; Field XX/XX/XXXX. 
Facts : The account reads Transferred to another lender, yet historical snapshots show it presented as XXXX. Transfer events must be coded consistently ( e.g., XXXX  ), with a {$0.00} balance and closed status for the transferor. 
Demand : Correct the Metro 2 transfer coding ( close/zero with BP ) or delete. Provide MOV and full ledger. 
Late Months Disputed : XX/XX/XXXX XX/XX/XXXX. 
XXXX XXXX/ Deletion : XXXX. Absent verification, delete. XXXX XXXX and XXXX XXXX. 
Sincerely, XXXX XXXX XXXX XXXX ) Inquiries XXXX XXXX XXXX XXXX Standardization/Duplicates Subject : InaccuracyDuplicative/Non-standardized Inquiry Names Inquiries on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX variants FCRA : 607 ( b ) ; 611 ( a ) ( 1 ) ( A ).

Metro 2 ( Inquiry Segment ) : Creditor Name must be standardized ; duplicates must not inflate counts. 
Demand : Consolidate/remove duplicates and standardize the furnisher name. Provide MOV and the permissible purpose under 604/1681b.

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