Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16737610
Complaint Overview
Complaint ID: 16737610
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Alabama
ZIP Code: 36109
Date Received: 2025-10-21T12:00:00-05:00
Date Sent to Company: 2025-10-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Dispute of Inaccurate/Unverifiable Tradelines, Metro-2 Non-Compliance & Data-Security Concerns Dear Experian : I dispute the accuracy and completeness of the following entries on my Experian file pursuant to FCRA 602 ( a ), 607 ( b ), 611 ( a ), 623 ( a ) and 623 ( a ) ( 5 ) ( Date of First Delinquency ). I also raise XXXX XXXX data-security/sharing concerns in light of industry breaches and require strict source validation. Several items show Metro-2 defects ( improper past-due on collections/charge-offs, missing DOFD, misaligned Account Status/Payment Rating/Compliance Condition/Consumer Information Indicator, and contradictory Open/Closed or owner coding ). Disputed tradelines ( Experian ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct XXXX ) XXXX {$1600.00} opened XX/XX/XXXX ; marked in dispute. o Issues : XXXX not disclosed ; collection shows unpaid loss by XXXX language ( XXXX XXXX XXXX XXXX XXXX XXXX ; verify assignment/chain-of-title and remove any past-due fields on a collection per XXXX. If this is medical, ensure no impermissible PHI sharing and produce a XXXX validation. XXXX. XXXX XXXX XXXX XXXX XXXX ( Acct XXXX ) Collection {$2200.00} opened XX/XX/XXXX ; placed for collection ; Past Due {$2200.00} displayed on some bureaus. o XXXX : Past-due should not be reported on collections ( Metro-2 ) ; DOFD missing ; potential re-aging given Date Last Active XXXX vs recent open date ; provide chain-of-title. XXXX. XXXX XXXX XXXX ( Auto ) ( Acct XXXX ) Open, As Agreed, yet system flags Negative/In Dispute with inconsistent late counters. o XXXX : Misalignment between XXXX ( XXXX ) and late history ; reconcile XXXX XXXX grid month-by-month and ensure dispute indicator follows XXXX ( a ) rules. XXXX. XXXX XXXX ( Closed ) ( Acct XXXX, opened XX/XX/XXXX ) Charged-off {$4900.00} ; past-due equals balance ; XXXX shows XXXX on XXXX peer bureau. o XXXX : Confirm DOFD and suppress past-due on CO ; reconcile cross-bureau dates to prevent re-aging ; align XXXX XXXX. XXXX. XXXX XXXX XXXX XXXXlosed Installment Sales Contract ) ( Acct XXXX, opened XX/XX/XXXX ) Charged-off {$1400.00} ; past-due equals balance ; XXXX XXXX on a XXXX bureau. o XXXX : Same as above ( XXXX, no past-due on CO, no re-aging, XXXX alignment XXXX. XXXX. XXXX ( Closed ) ( Acct XXXX ) Charged-off ; then Purchased by another lender ; {$0.00} balance. o XXXX : After sale, legacy OC line must reflect {$0.00} with accurate DOFD and must not continue derogatory past-due ; ensure no duplicate derogatories with the buyer. XXXX. XXXX XXXX XXXX XXXX XXXXlosed Revolving ) ( Acct XXXX ) Charged-off {$140.00} ; Past Due {$140.00} ; last active XX/XX/XXXX. o XXXX : For XXXX CO, verify XXXX, remove past-due field, align XXXX XXXX. XXXX. XXXX ( Closed Installment ) ( Acct XXXX ) As Agreed/Closed {$0.00}, yet flagged Negative/In Dispute. o Issues : Remove erroneous negative flag ; ensure CII A ( account in dispute ) only if I am actively disputing ; otherwise correct to neutral.
Frequently Asked Questions
What is Complaint #16737610 about?
Complaint #16737610 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-10-21T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.