Consumer complaint received 2025-10-13 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:
XXXX ) Experian XXXX XXXX XXXX ( XXXX XXXX XXXX ) Acct XXXX From : [ Your Name ; address ; SSN last-XXXX ; DOB ] DateXXXX : [XX/XX/XXXX] XX/XX/XXXX displays XX/XX/XXXX every month across the extended history and the confusing string NotsatisfyingXX/XX/XXXX. Collections do not carry a trade Payment History Profile and must include XXXX. 
I dispute all late/XX/XX/XXXX months : Every XX/XX/XXXX month from XX/XX/XXXX through XX/XX/XXXX ( continuous XX/XX/XXXX per your history ). 
XXXXMetro 2 : FCRA XXXX ( b ), XXXX ; XXXX ( a ) ( XXXX ) ; XXXX XXXX XXXX ;XX/XX/XXXXXXXX ( XXXX ). Metro-2 XXXX ( Collection ), XXXX, XXXX ( not applicable ), XXXX XX/XX/XXXX, XXXX ( inapplicable ), XXXX (XX/XX/XXXX. 
Demand : Running statements/ledger ( due date receipt posting ) for each XX/XX/XXXX month ; codes arent proof. If you can not independently verify ( XXXX ), delete under XXXX ( a ) ( XXXX ) ( A ) and ensure the furnisher communicates the dispute XXXX ( XXXX ). 
Enclosures : ID ; address proof; highlighted XXXX pages. 
XXXX ) Experian XXXX XXXX XXXX ( XXXX Hospital ) Acct XXXX ( {$920.00} ) You show XX/XX/XXXX monthly in the extended history. 
Disputed months : All CO months XXXX. 
Law/Metro 2 XXXX XXXX ( b ), XXXX, XXXX ( a ) ( XXXX ), XXXX XXXX XXXX ; Metro-2 XXXX XXXX XXXX, XXXX misuse, XXXX, XXXX inapplicable, XXXX. 
Demand : Ledger ; cXX/XX/XXXXes proof ; correct or delete ( XXXX ( a ) ( XXXX ) ( A ) ; XXXX ). 
Enclosures : ID ; address ; XXXX pages. 
XXXX ) Experian XXXX XXXX XXXX ( XXXX Hospital large balance ) Acct XXXX ( {$11000.00} ) Disputed months : All XX/XX/XXXX months XXXX. 
Law/Metro 2 : same as above + XXXX XXXX ( Original Charge-off/High Credit ) accuracy. 
Demand : Itemized ledger for principal/interest/fees month-by-month ; correct Metro-2 or delete ( XXXX ( a ) ( XXXX ) ( A ) ; XXXX ). 
Enclosures : ID ; address ; XXXX pages. 
XXXX ) Experian XXXX XXXX XXXX (XX/XX/XXXX) Acct XXXX ( {$1500.00} ) Disputed months : All XX/XX/XXXX months XXXX. 
Law/Metro 2 : same as above. 
Demand/Enclosures : as above. 
XXXX ) Experian XXXX XXXX Associates ( XXXX XXXX Debt Buyer ) Acct XXXXXX/XX/XXXX misclassifies the debt buyer collection as INSTALLMENT Debt Buyer with tradestyle XX/XX/XXXX months. 
Disputed months : All XX/XX/XXXX months XXXX ( continuous per your history ). 
Law/Metro 2 : XXXX ( b ), XXXX ; XXXX ( a ) ( XXXX ) ; XXXX XXXX XXXX ; FDCPA XXXX ( XXXX ) ; Metro-2 XXXX ( Collection ), XXXX, XXXX not applicable, XXXXXX/XX/XXXX, XXXX inapplicable, XXXXXX/XX/XXXXXXXX Original Creditor Name. 
Demand : Ledger; independent verification ( XXXX ). Correct to collection format with proper XX/XX/XXXX and dispute flag, or delete under XXXX ( a ) ( XXXX ) ( A ). 
Enclosures : ID ; address ; XXXX pages.

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