Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I, XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), dispute the following inaccuracies on my Experian credit report, violating FCRA 607 ( b ) and Reg V 1022.41 for accuracy failures, and where applicable, FCRA 623 ( a ) ( 1 ) for furnisher errors. Correct or delete each immediately.

Disputed Inaccuracies 1. Misspelled Name ( Defect 1 ) o Quote : " XXXX XXXX ''. 
o Violation : FCRA 607 ( b ) ; Reg V 1022.40 ; Metro 2 : First Name ( XXXX XXXX XXXX 
o Issue : Misspelling risks file mixing. Correct to " XXXX XXXX XXXX XXXX ''. 
2. Inconsistent Name Variations ( Defect 2 ) o Quote : " XXXX XXXX '', " XXXX XXXX ''. 
o Violation : FCRA 607 ( b ) ; Reg V 1022.42 ; Metro 2 : First Name, Last Name. 
o Issue : Inconsistent aliases. Correct to " XXXX XXXX XXXX XXXX ''. 
XXXX. Inconsistent Current Address ( Defect XXXX ) o Quote : " XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 
o Violation : FCRA 607 ( b ) ; Reg V 1022.41 ; Metro 2 : Address 1, City, State, Zip ( Base Segment ). 
o Issue : Incorrect address ; malformed zip. Correct to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
4. Inconsistent Previous Address ( Defect 4 ) o Quote : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
o Violation : FCRA 607 ( b ) ; Reg V 1022.40 ; Metro 2 : Previous Address ( XXXX ). 
o Issue : Erroneous address. 
XXXX XXXX Inconsistent Late Counts ( Defect 15 ) o Quote : Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX history XXXX XXXX XXXX 
o Violation : FCRA 623 ( a ) ( 1 ) ; Reg V 1022.41 ; Metro 2 : Payment History Profile, Past Due Counters. 
o Issue : Disputed lates : all CO months ( XXXX XXXX XXXX  ). Provide ledger for due/receipt/posting. 
XXXX. XXXX XXXX Missing Tradeline ( Defect XXXX ) o Quote : Absent ( present on XXXX, balance {$19000.00}, charge-off ). 
o Violation : FCRA 607 ( b ) ; Reg V 1022.40 ; Metro 2 : Entire tradeline. 
o Issue : Omission of derogatory item. Verify absence or add with correct status. 
XXXX XXXX Inconsistent Late Counts ( Defect XXXX ) o Quote : Account # XXXXXXXX XXXX XXXX XXXX XXXX  days late XXXX XXXX XXXX XXXX XXXX XXXX  balance {$7900.00}. 
o Violation : FCRA 623 ( a ) ( 1 ) ; Reg V 1022.41 ; Metro 2 : Payment History Profile. 
o XXXX : Disputed lates : Sep 2023Aug 2025 ( CO ). Provide ledger. 
XXXX XXXX XXXX Inconsistent Balance ( Defect XXXX ) o Quote : Account # XXXX * * * * * *, balance " {$2.00} ''. 
o Violation : FCRA 607 ( b ) ; Reg V 1022.41 ; Metro 2 : Current Balance. 
o Issue : Inconsistent with XXXX XXXX XXXX XXXX Verify or correct. 
XXXX. Inconsistent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX : " 7 inquiries ''. 
o Violation : FCRA 607 ( b ) ; Reg V 1022.42 ; Metro 2 : Inquiry Segment. 
o Issue : Inconsistent with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify or correct.

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