Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16738234
Complaint Overview
Complaint ID: 16738234
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: Georgia
ZIP Code: 31015
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
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 ).
Frequently Asked Questions
What is Complaint #16738234 about?
Complaint #16738234 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.