Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
I dispute the accuracy and completeness of the items below on my Experian file. This is a notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Regulation V ( 12 CFR Part 1022 ). You must conduct a reasonable reinvestigation and either verify with competent evidence or delete. 
A. Personal Information ( Accuracy ) Aliases : Experian shows XXXX XXXX XXXX ; XXXX XXXX XXXX while other bureaus do not. 
Law : FCRA 607 ( b ) ( maximum possible accuracy ). 
XXXX : Consumer Name Base & Variations. 
Why it matters : Unnecessary/incorrect aliases increase mixed-file risk and can misattribute data. Demand : Remove unsubstantiated name variations. 
B. Accounts XXXX. XXXX  XXXX Acct # XXXX o Quotes ( Experian ) : Account Type : INSTALLMENT ( Unsecured Loan ) ; Date Opened : XX/XX/XXXX ; Payment Status : Paid satisfactorily ; Extended Payment History : OK ( XXXX XXXX ). 
Defects : Furnished to Experian only ( not XXXX ), creating an incomplete/onesided furnishing pattern that misleads about overall performance. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) ( no misleading/incomplete info ) ; 607 ( b ). 
XXXX : Portfolio Type/Account Type ; Payment History Profile ; Date of Account Information. 
Remedy : Correct inconsistencies across bureaus or remove if not fully verifiable. 
XXXX. XXXX  XXXX Acct # XXXX o Quotes ( Experian ) : Opened : XX/XX/XXXX ; Balance : {$8700.00} ; High Credit : {$11000.00} ; Payment Status : Current ; OK ( XXXX XXXX ). 
Defects : Not reporting to XXXX incomplete furnishing ; ensure balance/limit/high credit mapping is consistent. 
XXXX : Same as above. 
Remedy : Verify with original records or delete if unverifiable. 
XXXX. XXXX Auto Loan Acct # XXXX o Quotes ( Experian ) : Closed ; Paid satisfactorily ; Last Reported : XX/XX/XXXX. 
Defects : Date conflict across bureaus ( see XXXX items below ). 
Law : 607 ( b ) ; 611 ( a ) ( 1 ) ( A ). 
XXXX : Date of Account Information ; Date of Last Payment ; Date Last Active ; DOFD. 
Remedy : Align dates with source documentation. 
XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX ( Opened XX/XX/XXXX ) o Quotes ( Experian ) : Balance : {$2900.00} ; Credit Limit XXXX {$3000.00} ; Current. 
Defects : None obvious ; retained for verification. 
XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( Opened XX/XX/XXXX ) o Quotes ( Experian ) : Balance : {$650.00} ; Limit : {$1000.00} ; Current. 
Defects : None obvious ; retained for verification. 
XXXX. XXXX Acct # XXXX o Quotes ( Experian ) : Monthly Payment : {$18.00} ; Balance : {$350.00} ; Last Reported : XX/XX/XXXX. 
Defects : Balance mismatch vs. XXXX ( {$71.00} there ) inaccurate. 
Law : 607 ( b ). 
XXXX : Current Balance ; High Credit ; Credit Limit ; Date of Account Information. 
Remedy : Correct to the verified balance or delete. 
XXXX. XXXX XXXX Acct # XXXX o Quotes ( Experian ) : Balance : {$480.00} ; Limit : {$500.00} ; Last Reported : XX/XX/XXXX. 
Defects : Balance mismatch vs. XXXX  ( {$480.00} reported there ). 
Law : 607 ( b ). 
XXXX : XXXX XXXX. 
Remedy : Correct or delete if unverifiable. 
XXXX. XXXX XXXX XXXX Acct # XXXX ( Closed ) o Quotes ( Experian ) : Paid satisfactorily ; ( no closure remark displayed, unlike XXXX  ) . 
Defects : Inconsistent closure remarks across bureaus misleading status coding. 
Law : 607 ( b ). 
XXXX : Account Status ; Special Comment/Compliance Condition Code.

Remedy : Harmonize remark or remove unverified remarking. 
XXXX. XXXX XXXX  XXXX Acct # XXXX ( Closed ) o Quotes ( Experian ) : Paid satisfactorily ; Inactive account remark not shown here ( present on XXXX  ). 
Defects : Disparate special comment/remark across bureaus. 
Law/XXXX : 607 ( b ) ; Special Comment Code.

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