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: MI

Complaint narrative:
I dispute the following Experian entries under FCRA 607 ( b ) and 611. XXXX requires independent verification beyond XXXX codes. Codes are not proof. Produce running statements/ledger showing due date, receipt, posting for each alleged late. All late months are disputed. 
Disputed Experian Entries ( quotes ; law ; XXXX XXXX ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] o Quoted EX : Open Balance : {$660.00} Account information disputed by consumeXXXX XXXX XXXX XXXXXXXX. 
o Conflict : TU shows XXXX. 
XXXX XXXX XXXX : Account XXXX, XXXX, Special Comment XXXX ( b ), XXXX. 
XXXX. XXXX & XXXX Acct # [ XXXX ] o Quoted EX : Open Balance : {$5800.00} Account information disputed by consumer. 
o XXXX : TU shows Closed/CO ; creditor name inconsistent across bureaus. 
XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX ( b ), XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX  Acct # [ XXXX XXXX XXXX XXXX XXXX  : Open Balance : {$500.00} Past Due : {$500.00} DLA : XXXX XXXX Was 90 days late XXXX time ( XXXX ). 
o Conflicts : TU shows Closed ; EQ shows Past Due {$0.00} and XXXX XXXX. 
o XXXX XXXX : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] o XXXX XXXX : Open Balance : {$1200.00} / {$430.00} Past Due equals Balance XXXX XXXX XXXXXXXX / XXXX Was 90 days late XXXX / XXXX. 
o Conflicts : XXXX lists Closed ; XXXX  shows Open but Past Due {$0.00} and XXXX XXXX XXXX. 
o XXXX XXXX : XXXX, XXXX XXXX, XXXX XXXX, XXXX. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Acct # [ XXXX XXXX XXXX XXXX XXXX XXXX Open Balance : {$800.00} Past Due : {$800.00} Was 90 days late XXXX time ( XXXX ). 
XXXX XXXX XXXX : Payment Rating logic ; XXXX. 
XXXX. XXXX XXXX XXXX XXXX Acct # [ XXXXXXXX XXXX XXXX XXXX XXXX : Open Balance : {$490.00} Past Due : {$490.00} DLA : XXXX XXXX Was 90 days late XXXX time ( XXXX ). 
o XXXX XXXX : XXXX, XXXX XXXX, XXXX XXXX, XXXX. 
XXXXXXXX XXXX Acct XXXX [ XXXX ] XXXX XXXX XXXX XXXX Open Balance : {$0.00} XXXX XXXX {$150.00} AsAgreed Comments : Charge Was XX/XX/year> late ( including XXXX XXXX ). 
o Defect : Open/ XXXX XXXXXXXX with heavy XXXX lates is facially misleading absent ledger. 
o Metro 2 : Payment Rating vs Account Status ; Special Comment. 
XXXXXXXX XXXX XXXX XXXX  ( XXXX tradelines ) Acct # [ XXXX ] / # [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Open Balance : {$880.00} / {$770.00} CO Was 90 days late XXXX / XXXX. 
o Conflicts : XXXX indicate Closed and far fewer lates. 
o XXXX XXXX : XXXX, XXXX XXXX, XXXX. 
XXXX. XXXX Acct # [ XXXX XXXX XXXX XXXX XXXX  : Revolving/Line of Credit High Credit {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with XXXX XXXX {$0.00}. 
XXXX XXXX XXXX : Account XXXX, XXXX XXXX, XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Closed {$0.00} Account paid in full for less than the full balance yet still coded Collection/Charge-Off. 
XXXX XXXX XXXX : Final Status vs Special Comment. 
XXXX. XXXX XXXX ( XXXX ) see # XXXX ( ensure separate XXXX ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Quoted XXXX : Multiple XXXX entries ( XXXX, XXXX, etc. ) with varying captions/dates. 
XXXX XXXXXXXX XXXX XXXX XXXX Court name/identifier, filing/disposition likely duplicate/fragmentation.

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