Consumer complaint received 2025-10-21 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: AL

Complaint narrative:
Subject : Formal Dispute of Inaccurate/Unverifiable Tradelines, Metro-2 Non-Compliance & Data-Security Concerns Dear Experian : I dispute the accuracy and completeness of the following entries on my Experian file pursuant to FCRA 602 ( a ), 607 ( b ), 611 ( a ), 623 ( a ) and 623 ( a ) ( 5 ) ( Date of First Delinquency ). I also raise XXXX XXXX data-security/sharing concerns in light of industry breaches and require strict source validation. Several items show Metro-2 defects ( improper past-due on collections/charge-offs, missing DOFD, misaligned Account Status/Payment Rating/Compliance Condition/Consumer Information Indicator, and contradictory Open/Closed or owner coding ). 
Disputed tradelines ( Experian ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct XXXX ) XXXX {$1600.00} opened XX/XX/XXXX ; marked in dispute. 
o Issues : XXXX not disclosed ; collection shows unpaid loss by XXXX language ( XXXX XXXX XXXX XXXX XXXX XXXX  ; verify assignment/chain-of-title and remove any past-due fields on a collection per XXXX. If this is medical, ensure no impermissible PHI sharing and produce a XXXX validation. 
XXXX. XXXX XXXX XXXX XXXX XXXX ( Acct XXXX ) Collection {$2200.00} opened XX/XX/XXXX ; placed for collection ; Past Due {$2200.00} displayed on some bureaus. 
o XXXX : Past-due should not be reported on collections ( Metro-2 ) ; DOFD missing ; potential re-aging given Date Last Active XXXX vs recent open date ; provide chain-of-title. 
XXXX. XXXX XXXX XXXX ( Auto ) ( Acct XXXX ) Open, As Agreed, yet system flags Negative/In Dispute with inconsistent late counters. 
o XXXX : Misalignment between XXXX ( XXXX ) and late history ; reconcile XXXX XXXX grid month-by-month and ensure dispute indicator follows XXXX ( a ) rules. 
XXXX. XXXX XXXX ( Closed ) ( Acct XXXX, opened XX/XX/XXXX ) Charged-off {$4900.00} ; past-due equals balance ; XXXX shows XXXX on XXXX peer bureau. 
o XXXX : Confirm DOFD and suppress past-due on CO ; reconcile cross-bureau dates to prevent re-aging ; align XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXXlosed Installment Sales Contract ) ( Acct XXXX, opened XX/XX/XXXX ) Charged-off {$1400.00} ; past-due equals balance ; XXXX XXXX on a XXXX bureau. 
o XXXX : Same as above ( XXXX, no past-due on CO, no re-aging, XXXX alignment XXXX. 
XXXX. XXXX ( Closed ) ( Acct XXXX ) Charged-off ; then Purchased by another lender ; {$0.00} balance. 
o XXXX : After sale, legacy OC line must reflect {$0.00} with accurate DOFD and must not continue derogatory past-due ; ensure no duplicate derogatories with the buyer. 
XXXX. XXXX XXXX XXXX XXXX XXXXlosed Revolving ) ( Acct XXXX ) Charged-off {$140.00} ; Past Due {$140.00} ; last active XX/XX/XXXX. 
o XXXX : For XXXX CO, verify XXXX, remove past-due field, align XXXX XXXX. 
XXXX. XXXX ( Closed Installment ) ( Acct XXXX ) As Agreed/Closed {$0.00}, yet flagged Negative/In Dispute. 
o Issues : Remove erroneous negative flag ; ensure CII A ( account in dispute ) only if I am actively disputing ; otherwise correct to neutral.

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