Could someone please give me some decent verbiage regarding sub panel neutral/ground separation and neutral isolation. Thanks.
I would suggest that you address the specific issue at each panel, rather than trying to “explain” how it should be wired.
The neutral conductors are bonded to the enclosure, which is improper and should be corrected - or,
The grounding conductors are not bonded to the enclosure, which is required and should be corrected - etc. . .
It’s much less confusing this way.