Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
Re : FCRA/Reg V Dispute Affirm ( Acct XXXX ) Past-Due on Charge-off ; rolling severe lates Your report states ( quoted ) : Balance : {$410.00} Past Due : {$410.00} Payment Status : Charge-off Comments : Account information disputed by consumer under the Fair Credit Reporting Act, with the grid showing XXXX XXXX XXXX. 
All late months disputed : I dispute every non-OK month in your 24-month grid for this account ( all XXXX months ). 
Proof demanded : Produce running statements/ledger for each disputed month ( due date, receipt, posting ). XXXX XXXX codes are not proof. 
Law : FCRA 607 ( b ) ; 611 ( 1681i ( a ) ( 1 ) ( A ) ; 1681i ( a ) ( 5 ) ( A ) ) ; Reg V 1022.42 ; XXXX ( independent verification ). 
XXXX XXXX corrections ( if verified ) : Status XXXX ( Charge-off ) Amount Past Due = {$0.00} ( Base Segment ). 
Payment History Profile must not show rolling CO/late after the CO month ; correct FCRA Compliance/DOFD.

Use Compliance Condition Code XB during reinvestigation.

Remedy : If you can not verify to the ledger standard, delete the derogatory data or the entire tradeline under 1681i ( a ) ( 5 ) ( A ). Noncompliance = CFPB/FTC/CA AG complaints and litigation ( 616617 ). 
Enclosures : ID ; proof of address ; highlighted Experian page ; XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX ) From : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX : XXXX Via XXXX Re : FCRA/Reg V Dispute XXXX  ( Acct XXXX ) Past-Due on Charge-off ; re-aging via rolling derogatories Quoted : Balance : {$110.00} Past Due : {$110.00} Payment Status : Charge-off Comments : Account information disputed by consumer under the Fair Credit Reporting Act, with a sequence of 90 60 30 in the grid.

All late months disputed : Every 30/60/90XXXX month in the visible grid is disputed. 
Demand : Monthly statements/ledger for each disputed month ( due date, receipt, posting ). 
Codes evidence. 
Law/XXXX  XXXX XXXX Same as EX-1 : Past Due must be {$0.00} with Status 97 ; no rolling XXXX  after the XXXX month ; accurate DOFD ; XB while reinvestigating. 
Remedy : Independently verify with ledgers or delete derogatory data/entire tradeline ( 1681i ( a ) ( 5 ) ( A ) ). Otherwise I will file CFPB/FTC/AG complaints and sue ( XXXX ). 
Enclosures : ID ; address proof ; highlighted Experian page ; XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX ) From : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX : XXXX Via XXXX Re : FCRA/Reg V Dispute XXXX XXXX XXXX Past-Due on Charge-off ; rolling derogatories ; DOFD integrity Quoted : Balance : {$11000.00} Past Due : {$11000.00} Payment Status : Charge-off Comments : Completed investigation of FCRA dispute consumer disagrees, with multiple non-OK months ( including 60/30/90/60 etc. ).

All late months disputed : I dispute every non-OK month in your two-year grid ( all 30/60/90XXXX months ). 
Demand : Running statements/ledger for each disputed month ( due date, receipt, posting ). 
Codes are not proof. 
Law/XXXX  XXXX XXXX Same as EX-1. Past Due must be {$0.00} for Status 97 ; remove rolling XXXX  beyond the XXXX  month ; correct DOFD ; show XB while pending. 
Remedy : If not verified to ledger standard, delete derogatory data or the entire tradeline ( 1681i ( a ) ( 5 ) ( A ) ). Noncompliance CFPB/FTC/AG complaints and suit XXXX XXXX ). 
Enclosures : ID ; address proof ; highlighted Experian page ; XXXX.

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