Consumer complaint received 2025-10-13 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:
I dispute the entries below as inaccurate and incomplete under FCRA 607 ( b ) and 611 ( including 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) ). Codes are not proof. Under XXXX XXXX ( XXXX XXXX XXXX ) you must conduct an independent reinvestigation and obtain documentary evidence ( running statements/ledgers proving due/receipt/posting dates per late month ). 
1 ) XXXX XXXX XXXX EX File What your file says : Legally paid in full for less than the full balance ; payment grid shows XXXX ; Last Reported XX/XX/XXXX. 
Defects / Law / Metro 2 fields : Settlement language coexists with severe lates, risking history inflation. 
o FCRA 607 ( b ) ; Reg V 1022.42 ( a ). 
o Metro 2 : Payment Rating ( XXXX ) should not reflect inflated/duplicative derog history ; Amount Past Due ( XXXX ) & Scheduled Monthly Payment ( XXXX ) must be XXXX post-resolution ; DOFD ( XXXX ) governs aging. 
All late months disputed : Every EX month coded XXXX/XXXX/XXXX for this tradeline ( see highlighted enclosure ). 
2 ) XXXX XXXX EX File What your file says : Legally paid in full for less than the full balance ; grid shows XXXX across XXXX ; Date of Last Payment XX/XX/XXXX ; Last Reported XX/XX/XXXX. 
Defects / Law / Metro 2 fields : Date/status conflicts with XXXX ( XXXX shows earlier resolution ). 
o FCRA 607 ( b ) ; Reg V 1022.42 ( a ). 
o Metro 2 : 24/25/28 must align ; XXXX must reflect settlement ( no ongoing past-due ). 
All late months disputed : Every EX month coded XX/XX/XXXX. 
3 ) XXXX EX File What your file says : Paid, was past due 120 days ; Last Reported XX/XX/XXXX. XXXX and XXXX show pays as agreed/OKs into XXXX. 
Defects / Law / Metro 2 fields : Cross-bureau contradiction suggests your 120-day claim is unreliable/incomplete absent ledger proof. 
o FCRA 607 ( b ) ; Reg V 1022.42 ( a ). 
o Metro 2 : Payment History/Rating ( XXXX ) and Dates ( XX/XX/XXXX ) must reconcile. 
All late months disputed : Every EX month underlying your 120-day representation. 
4 ) XXXX ( auto ) EX File What your file says : Paid, was past due 30 days two or three times ; context shows Paid by insurance in comments across bureaus ; XXXX grid shows XX/XX/XXXX around the loss period. 
Defects / Law / Metro 2 fields : Insurance payoff vs late-codes : any 30-day lates must be supported by ledgers pre-loss ; otherwise the coding is misleading. 
o FCRA 607 ( b ) ; Reg V 1022.42 ( a ). 
o Metro 2 : Special Comment ( insurance ) must align with Payment Rating ( XXXX ) and Dates ( XX/XX/XXXX ) ; Amount Past Due ( XXXX ) should be XXXX when no billing remains. 
All late months disputed : Every EX month coded XXXX for this tradeline. 
My demand ( applies to all four EX tradelines above ) 1. Independent verification per 611 ( a ) ( 1 ) ( A ) and XXXX : produce the running statements/ledger showing due/receipt/posting for each late ; provide DOFD and the Metro 2 field mapping ( XXXX XXXX. Codes are not proof. 
2. If you can not verify, delete the inaccurate items or the entire tradeline under 611 ( a ) ( 5 ) ( A ). 
3. Noncompliance will trigger CFPB/FTC/State AG complaints and civil action under FCRA 616617.

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