Consumer complaint received 2025-09-17 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: KS

Complaint narrative:
Under FCRA 607 ( b ) and 611 / 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you must ensure maximum possible accuracy and conduct an independent reinvestigation ( Cushman v. TransUnion, 115 F.3d 220 ). If any item below can not be verified to that standard, delete it under 1681i ( a ) ( 5 ) ( A ). Reg V ( 12 C.F.R. 1022.42 & App. E ) also applies.

In every item, all late months are disputed. Provide running statements/ledger for each late ( statement date, due date, amount due, receipt date, posting date ). Codes are not proof. 
1 ) XXXX XXXX XXXX Acct XXXX What Experian reports ( verbatim ) : Charge-off XX/XX/XXXX late sequence in XXXX Balance {$0.00} ; Last Reported XX/XX/XXXX. 
Defects & Metro 2 breaches XXXX simultaneously notes Purchased by another lender. Post-sale, Metro 2 Account Status must be 93 ( Sold/Transferred ) with proper Special Comment and {$0.00} balance ; any residual charge-off coding must be supported by DOFD and ledgers. 
Fields : Account Status, Special Comment ( Sold/Transferred ), Current Balance, FCRA Compliance/DOFD, Payment History Profile, Date of Account Information. 
Demand : Provide ledgers for every late month and correct to a sold/transfer status if applicableor delete. 
2 ) XXXX  CARD Acct XXXX What Experian reports ( verbatim ) : Late sequence XXXX ( XXXX ) and Legally paid in full for less than the full balance ( Last Reported XX/XX/XXXX ). 
Defects & Metro 2 breaches All late months are disputed. Furnish monthly ledgers establishing due date, receipt, and posting for each code. Confirm DOFD, Account Status, Special Comment ( settled ), Payment History Profile, and Date of Account Information align. 
Fields : PHP, Account Status, Special Comment, DOFD, Date of Account Information. 
Demand : If not independently verified with real records, delete derogatory coding and/or the tradeline. 
3 ) XXXX Acct XXXX What Experian reports ( verbatim ) : INSTALLMENT Rental ; Terms : 1 Month. 
Defects & Metro 2 breaches This product is not an installment loan ; misclassification inflates installment count and misleads underwriting. 
Fields : Account Type, Terms Duration/Frequency, Date of Account Information. 
Demand : Correct the taxonomy and terms or delete if unverifiable. 
4 ) XXXX Acct XXXX What Experian reports ( verbatim ) : Open, {$0.00} balance, CL {$1500.00} ( Last Reported XX/XX/XXXX ). XXXX show the same product as XXXX with a {$75.00} balance. 
Defects & Metro 2 breaches Split/misaligned tradeline identity and inconsistent balance across CRAs. 
Fields : Furnisher Name ( Header ), Account Number ( mask consistency ), Current Balance, Date of Account Information. 
Demand : Merge/correct identity and synchronize balanceor delete if unverifiable. 
5 ) XXXX BANK Acct XXXX What Experian reports ( verbatim ) : Balance {$100.00} ( XX/XX/XXXX ) ; Type : Line Of Credit. XXXX shows {$0.00} ( XX/XX/XXXX ) and Type Overdraft / reserve checking. 
Defects & Metro 2 breaches Potential staleness/type mismatch that affects underwriting. 
Fields : Account Type, Current Balance, Date of Account Information. 
Demand : Independently verify current balance and correct the type taxonomyor delete if unverifiable.

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