Consumer complaint received 2025-10-06 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:
I dispute the following Experian-reported items under FCRA 607 ( b ) and 611 ( 15 U.S.C.

1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ). Per Cushman v. TransUnion ( 115 F.3d 220 ), you must secure independent documentary verification ; codes are not proof. For each alleged late, provide running statements/ledger ( due date, receipt, posting ). All late months are disputed. 
Disputed Experian items 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX quote : Account Status : Open ; Placed for collection ; Balance {$740.00} ; Date Last Active : XXXX. 
o Law : 607 ( b ), 611 ; Reg V 1022.42.43.

o Metro 2 : Status, Collection Indicator/Special Comment, DLA/DOFD.

o Issue : Conflicts with XXXX  Closed statusmaterially misleading. 
2. XXXX XXXX XXXX XXXX ( collection ) o XXXX  quote : Open ; Collection account ; Past Due {$4100.00} ; XXXX  XXXX ; Was 90 days late 12 time ( s ).

o Law : 607 ( b ), 611 ; FDCPA 1692e ( 8 ).

o Metro 2 : Collections should not carry revolving/installment PHP lates ; Status, Past Due, XXXX/DOFD. 
o Issue : Use of instalment-style late counters on a collection is improper and misleading. 
3. XXXX XXXX XXXX XXXX o XXXX quote : Open ; CollectionOrChargeOff ; Account information disputed by consumer ; XXXX XXXX. 
o Law : 607 ( b ), 611 ; FDCPA 1692e ( 8 ).

o Metro 2 : Status, XXXX, XXXX ( XXXX XB ) during dispute. 
o Issue : Ensure accurate XB coding/notice and synchronized dates. 
4. XXXX XXXX XXXX XXXX XXXX XXXX collection ) o XXXX  quote : Account Status : Refinanced ; CollectionOrChargeOff. 
o Law/Metro 2 : Status can not be Refinanced and collection/CO simultaneously ; XXXX/DOFD XXXX 
o Issue : Facial inconsistency ; correct or delete. 
5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection ) o XXXX  quote : Refinanced ; CollectionOrChargeOff. 
o Same defect as # 4. 
6. XXXX XXXX XXXX XXXX ( collection ) o XXXX  quote : Open ; Placed for collection ; XXXX XXXX XXXX 
o Issue : Open/Closed conflicts vs XXXX  ; misleads. 
7. XXXX XXXX XXXX XXXX CO ) o XXXX  quote : Closed ; Balance/Past Due {$11000.00} ; High Credit {$12000.00} ; XXXX XXXX ; Was 90 days late XXXX time ( s ). 
o Law/Metro 2 : High Credit mismatch vs XXXX ( {$28000.00} ), Past Due math, PHP integrity. 
o Issue : Requires ledger substantiation or deletion. 
8. XXXX XXXX XXXX CO loan ( XXXX ) o XXXX  quote : Closed ; Balance/Past Due {$4700.00} ; XXXX XXXX ; Was 90 days late 09 time ( s ).

o Issue : Conflicts with XXXX  ( showing fewer 90-day lates ). 
9. XXXX XXXX Revolving ( closed ) o XXXX  quote : Closed ; Balance/Past Due {$490.00} ; High Credit {$490.00} ; XXXX XXXX XXXX. 
o Issue : High-credit/XXXX conflicts cross-bureau. 
10. XXXX XXXX XXXX ( collection ) XXXXXXXX quote : Open ; Collection-Installment ; XXXX  XXXX. 
Issue : Status/date conflicts with XXXX 
11. XXXX XXXX XXXX multiple closed {$0.00} accounts still coded Late60/90 ( e.g., XXXX ; XXXX ; XXXX  XXXX ) XXXX  quotes ( examples ) : Closed/ {$0.00} ; Late60Days/Late90Days ; Was 30/60/90.

Law/Metro 2 : PHP vs Closed/ {$0.00}, DOFDXXXX, Status . 
DEMANDS ( Experian ) All late months for every tradeline above are disputed. Provide running statements/ledger ( due date, receipt, posting ). Codes are not proof. 
Correct Metro 2 fields ( Status, XXXX/DOFD/DLP, Past Due XXXX XXXX, High Credit/Credit Limit, Special Comments/XXXX XXXX XB while disputed ) ). 
If not independently verified ( XXXX ), delete the item ( s ) or delete the entire tradeline. 
Failure will result in CFPB/FTC/AG complaints and litigation under 15 U.S.C. 616 617. 
Enclosures : Government ID ; Proof of address ; Highlighted XXXX  pages ; Audit summary.

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