Consumer complaint received 2025-10-17 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:
Under FCRA 602 ( a ), 607 ( b ), 611 ( a ), 611 ( d ), 605 ( a ) ; FCRA 623 ( a ) ( 1 ) ( A ) & ( a ) ( 2 ) ; Reg V ( 12 C.F.R. 1022.42 ) ; and GLBA 501 ( b ) / FTC Safeguards Rule ( 16 C.F.R. Part 314 ), I dispute the following items in my Experian file as inaccurate, incomplete, and/or unverifiable. XXXX XXXX TransUnion, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX & XXXX require an independent reinvestigation, not mere XXXX  parroting. 
A. Tradelines ( delete if not independently verified with source documents ) XXXX. XXXX XXXX XXXX ( XXXX : XXXX at XXXX XXXX XXXX ) Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed/Open/Open statuses across bureaus ; comments show dispute resolved consumer disagrees, yet negative still published. Metro-2 defects : Field 17 ( Account Status ) conflicts ; Field 25 ( DOFD ) not shown. 607 ( b ), 623 ( a ) ( 1 ) ( A ), Reg V 1022.42 ( a ). 
XXXX. XXXX XXXX XXXX ( XXXX : XXXX XXXX FL ) Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open collection with no contract, itemization, or DOFD ; balance changed from {$1500.00} to {$1500.00} without ledger support. Fields 25, 71 missing/unsupported 607 ( b ) breach ; potential re-aging. 
XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed/Refinanced/Open for same period ; Refinanced coding is illogical for a third-party collection. Improper Status ( 17 ) and missing assignment/transfer data. 
XXXX. XXXX ( XXXX XXXX ) Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) File lists Late 60 with past due {$990.00} ; require running statements and posting ledger proving the due date/receipt for each late month. If hardship/deferral occurred, special comment codes must reflect it. Otherwise, 607 ( b ) /Reg V violation. 
XXXX. XXXX XXXX XXXX ( XXXX : XXXX ) Acct XXXX * * * * * * * * * Open collection on some bureaus but past due {$790.00} only on certain reports ; Date Last Active varies ( XXXX vs XXXX ) re-aging risk. XXXX XXXX inconsistent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Involuntary repossession with inflated 90-day counts ( XXXX at another CRA ) vs. far fewer elsewhere ; must reconcile Payment History Profile month-by-month. Publishing contradictory severity violates 607 ( b ). 
XXXX. XXXX XXXX XXXX ( Installment Sales ) Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged off with 30/60/90 sequences that dont align across bureaus ; High Credit differs ( {$500.00} vs {$560.00} ). Missing DOFD and itemization. 
XXXX. XXXX XXXX ( XXXX ) Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Paid repossession vs. continuing negative repo coding elsewhere ; can not report paid and unpaid simultaneously.

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