Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
This disputes your file dated XX/XX/XXXX. You must ensure maximum possible accuracy ( FCRA 607 ( b ) ) and conduct an independent reinvestigation ( 611 ( a ) ( 1 ) ( A ) ; XXXX v. XXXX  ). If you can not obtain documentary proof ( not codes ), you must delete the item under 611 ( a ) ( 5 ) ( A ). I reserve claims under 616617 and will file CFPB/FTC/AG complaints XXXX 
A. Identity/Header Inaccuracy Defect : Name reported as XXXX XXXX XXXX middle initial omitted ) and address set to PA, while other bureaus list NY as current. 
Metro 2 : Field 01 ( Name ), Fields 0506 ( Address ) consistency. 
Law : FCRA 607 ( b ) ; Reg V 1022.42 ( a ). Demand : Correct identifiers or provide proof of your chosen format and current address basis. 
B. XXXX  XXXX Acct # XXXXXXXX XXXX XXXX ( Revolving ) * * Reported : Status Current alongside 30/60/90/120/150 codes in the two-year grid. 
Metro 2 : Field 11, 12/17, 18 status/history conflict. 
Law : FCRA 607 ( b ), 611. All late months are disputed. Produce running statements/ledger ( due/receipt/posting ). Codes are not proof. Delete lates or tradeline if not verified. 
XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX ( Charge Account ) * * Reported : Mostly OK with an isolated 60 late ; other bureaus differ. 
Breach : Field 18 parity/consistency. 
Law : FCRA 607 ( b ) ; 611 ( a ) ( 5 ) ( A ). All late months are disputed. Provide ledger or delete derogatories. 
XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX ( Credit Card ) * * Reported : XXXX lates mirrored across bureaus but key fields ( limit, months ) conflict. 
Metro 2 : Field 27 ( Credit Limit ) and Field 18 alignment. 
Law : FCRA 607 ( b ) ; 611 ; XXXX XXXX XXXX XXXX XXXX. 
All late months are disputed. Provide ledger ; else delete. 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX ( Revolving ) * * Reported : XXXX sequence ; cross-bureau missing history indicates unreliability. 
Breach : Field 18 and status consistency. 
Law : FCRA 607 ( b ) ; 611 ( a ) ( 5 ) ( A ). 
All late months are disputed. Provide ledger ; else delete. 
XXXX XXXX Multiple loans Acct # XXXXXXXX XXXX XXXX ( Installment ) * * Reported : XXXX late codes in multiple months ; conflicts with other bureaus statuses. 
Breach : Field 11, 12/17, 18 ; completeness. 
Law : FCRA 607 ( b ) ; 611 ; Reg V 1022.42 ( a ). 
All late months are disputed. Provide ledger ( due/receipt/posting ) and suspension/forbearance history if applicable. Codes are not proof. If not verified, delete the lates or tradeline. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX ( Lease ) * * Reported : Chargeoff/Collection with long delinquency sequence ; cross-bureau High Credit and history differ. 
Breach : Field 28 ( High Credit ) ; Field 18 sequencing. 
Law : FCRA 607 ( b ) ; 611. 
All late months are disputed. Provide contract, billing ledger, and charge-off accounting. If unverifiable, delete derogatories/tradeline. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX  ( Revolving ) * * Reported : Experian shows Open with {$49000.00} limit, whereas another bureau reports Closed and {$0.00} limit. 
Breach : Field 11 ( Status ), Field 27 ( Credit Limit ) inconsistency.

Law : FCRA 607 ( b ). Demand : Provide documentary basis for OpenXXXX {$49000.00} as of the reporting dates or correct/delete.

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