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: GA

Complaint narrative:
Date : XX/XX/XXXX To : Experian Information Solutions XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate/Unverifiable Tradelines, XXXX Non-Compliance & Data-Security Concerns Dear Experian : I dispute the accuracy and completeness of the following items on my Experian file pursuant to FCRA 602 ( a ), 607 ( b ), 611 ( a ), and 623 ( a ). Multiple tradelines show internal contradictions across bureaus and Metro-2 reporting defects ( e.g., missing or inconsistent Date of First Delinquency ( DOFD ) under 623 ( a ) ( 5 ), impermissible past-due amounts on collection accounts, and inconsistent Account Status/Payment Rating/Compliance Condition/Consumer Information Indicator codes ). Given ongoing national data-security concerns in the credit-reporting ecosystem, I also raise GLBA XXXX data-protection and sharing concerns and request strict source validation.

Disputed tradelines ( Experian ) 1. XXXX XXXX XXXX XXXX  XXXX XXXX Acct ending XXXX {$2800.00}, opened XXXX ( collection ). 
o Issues : DOFD not shown ; Placed for collection while also coded with prior unpaid balance loss language ; contradictions in past-due reporting vs. collection status ( Metro-2 : no past-due should be shown on collections ). 
2. XXXX XXXX XXXX XXXX XXXX XXXX Acct ending XXXX {$320.00}, opened XXXX ( collection ). 
o Issues : Re-aging risk ( last activity mismatches across bureaus ), excessive/implausible late-count narrative ( 90 days late 18x ), missing DOFD ; consumer disputes indicator present yet furnisher appears to continue reporting without adequate reinvestigation ( 611, Cushman v. XXXX standard ). 
3. XXXX XXXX XXXX XXXX XXXX XXXX Bank Acct ending XXXX {$640.00} ( collection ). 
o Issues : Conflicts in Open/Closed across bureaus ; DOFD missing ; continued reporting of past-due on a collection ( Metro-2 violation ).

4. XXXX XXXX / XXXX Acct ending XXXX {$140.00} ( collection ). 
o Issues : Refinanced note is incongruent with Placed for collection ; DOFD absent ; verify assignment/chain-of-title. 
5. XXXX XXXX XXXX ( XXXX ) Acct ending XXXX {$19000.00} ; shows 30- and 60-day lates with conflicting counts across bureaus.

o Issues : Payment history grid inconsistent ; Late30Days while also listing extensive 60-day late counters that dont reconcile month-by-month ; verify complete payment history and DOFD. 
6. XXXX XXXX XXXX XXXX XXXX XXXX Acct ending XXXX {$9600.00} ( collection ). 
o Issues : DOFD missing ; re-aging risk ( last activity differs among bureaus ) ; continued derogatory coding while marked in dispute.

7. XXXX XXXX Acct ending XXXX {$830.00} ( charged-off, closed ). 
o Issues : Late counters ( e.g., 90 days late 44x on peer bureaus ) are implausible for the timeline ; validate DOFD and charge-off date ; ensure no duplicate or rolling late inflation.

8. XXXX Acct ending XXXX {$710.00} ( charged-off ). 
o Issues : Similar inflated late counters ; DOFD missing ; ensure correct Account Status and Payment Rating alignment per Metro-2.

9. XXXX Acct ending XXXX charged-off/purchased by another lender. 
o Issues : If sold/assigned, you must show accurate Current Owner, suppress pastdue, and maintain a single accurate DOFD ( no re-aging ).

10. XXXX Acct ending XXXX charged-off then sold. 
o Issues : Purchased by another lender yet legacy past-due/charge-off not properly suppressed post-sale ; verify DOFD and suppress duplicative derogatories.

11. XXXX XXXX ( closed ) Acct ending XXXX paid for less than full balance. 
o Issues : Ensure Payment Rating matches a settled notation and remove any residual past-due after closure ; confirm DOFD.

12. XXXX XXXX ( closed ) Acct ending XXXX closed/as agreed but lates listed. 
o XXXX : For closed/as-agreed, confirm no continuing derogatory metrics beyond factual late months ; remove any erroneous negative status flag. 
Inquiries ( last 24 months ) verification request Multiple auto-finance inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX XXXX. Please verify permissible purpose under FCRA 604 ( purpose, requester certification, and application/consumer-initiated trigger ). Remove any inquiry lacking a permissible purpose or certification.

My request ( FCRA 611 ( a ) ) : Delete each tradeline that can not be fully verified with primary documentation ( original agreement, complete payment history, DOFD under 623 ( a ) ( 5 ), chain-oftitle/assignment for collections, and Metro-2 field mapping for Status/Payment Rating/Compliance Condition/Consumer Information Indicator ). 
Remove or correct any past-due amounts reported on collections, inflated/rolling late counters, re-aged dates, or duplicate post-sale derogatories. 
Provide the method of verification and furnisher contact details under 611 ( a ) ( 6 ) ( 7 ).

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