Consumer complaint received 2025-10-06 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: NC

Complaint narrative:
Under FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ), I dispute the following Experian entries. As held in Cushman v. TransUnion, you must obtain independent documentary verification ; codes are not proof. Provide running statements/ledger ( due date, receipt, posting ) for every late month. All late months are disputed. 
Disputed Experian entries XXXX. XXXX XXXX XXXX XXXX XXXX ( Open ), Acct # [ last-4 ] o Quoted EX : Open ; Monthly Payment {$270.00} ; Balance {$11000.00} ; Past Due {$300.00} ; Payment Status : Late60Days ; Date Last Active : XXXX. 
o Law/XXXX  XXXX : 607 ( b ), 611 ; Reg V 1022.42 ; Payment Rating/PHP, Past Due , DLA/DLP, Account Status .

o Why : Delinquency/date coding must be supported by ledger ; cross-bureau DLA conflicts . 
XXXX. XXXX Line of Credit ( Open, {$0.00} ), Acct # [ XXXX ] o Quoted EX : Open ; Balance {$0.00} ; AsAgreed ; Line of credit ; yet negative status and late history ( XX/XX/year> lates ) are reported. 
o Law/Metro XXXX XXXX XXXX ( b ), XXXX ; XXXX XXXX vs XXXX, XXXX, Special Comment XXXX 
o XXXX : $ XXXX + negative portrayal is misleading absent ledger support. 
XXXX. XXXX Unsecured ( Closed XXXX ), Acct # [ XXXX ] o Quoted EX : Closed ; Balance {$1100.00} ; Past Due {$1100.00} ; Payment Status : CollectionOrChargeOff ; High Credit {$1200.00} ; Date Last Active : XXXX. 
o Law/XXXX  XXXX XXXX 607 ( b ), 611 ; High Credit, Past Due, XXXX, Status.

o Why : High-credit and activity dates conflict with other bureaus ; closed with full past-due requires ledger. 
XXXX. XXXX XXXX ( Collection Open ), Acct # [ XXXX ] o Quoted EX : Account Type : Collection-Installment ; Account Status : Open ; Balance/Past Due {$810.00} ; Comments : Collection account ; Date Last Active : XXXX. 
o Law : 607 ( b ), 611 ; Reg V 1022.42.43 ; potential FDCPA 1692e ( 8 ). 
o XXXX XXXX : Status, Past Due, DLA, Collection indicator, Account Type.

o Why : Open collection conflicts with closed statuses elsewhere ; DLA inconsistent. 
XXXX. XXXX XXXX XXXX  ( Revolving, Closed ), Acct # [ last-4 ] o Quoted EX : Closed ; Balance {$160.00} ; Past Due {$120.00} ; Credit Limit {$0.00} ; High Credit {$160.00} ; XXXX XXXX XXXX 
o Law/XXXX XXXX XXXX XXXX ( b ), XXXX ; Credit Limit XXXX XXXX Credit, XXXX, XXXX Rating, Past Due. 
o XXXX : Conflicts with other bureaus CL/High-Credit ; requires ledger proof. 
XXXX. XXXX Closed Unsecured ( XXXX ), Acct # [ XXXX ] o Quoted EX : Closed or paid account/zero balance ; AsAgreed, yet Status : Negative and Was 30 days late XXXX time ( XXXX ). 
o Law/Metro XXXX XXXX XXXX ( b ), XXXX ; XXXX XXXX vs XXXX, XXXX. 
o XXXX : Closed/paid/AsAgreed can not be negative w/o ledger-backed late. 
XXXX. XXXX Closed Auto ( XXXX ), Acct # [ XXXX ] o Quoted EX : AsAgreed ; Closed or paid account/zero balance, while other bureaus carry harsher late codes. 
o Law/XXXX  XXXX : 607 ( b ), 611 ; Payment Rating consistency, XXXX. 
o Why : Cross-bureau inconsistency indicates accuracy failure. 
XXXX. XXXX Unsecured ( Closed XXXX ), Acct # [ last-4 ] o Quoted EX : AsAgreed ; Closed or paid account/zero balance, vs TU showing Late60Days. 
o Law/XXXX  XXXX XXXX XXXX ( b ), XXXX ; XXXX XXXX vs XXXX. 
o XXXX : XXXX misalignment requires documentary resolution. 
DEMANDS Experian Provide ledger substantiating each late ( all late months disputed ). Codes are not proof. 
XXXX XXXX XXXX fields ( Status, XXXX, Past Due XXXX Payment Rating, High Credit/CL, Type, Comments ). 
If not verifiable to XXXX standard, delete each tradeline. 
I will file XXXX complaints and seek remedies under 15 U.S.C. 616617.

Enclosures : ID ; Proof of address ; Highlighted report pages ; Audit summary.

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