Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I sent out these six letters to XXXX, Experian, and XXXX regarding the wrong Information on my crediting report which is caused drastic decrease on my credit score. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, I recently checked a copy of my credit report and found that you are reporting inaccurate, noncompliant, and false information about me. The following alleged accounts is listed as a collection with a PAST DUE BALANCE and is listed as an OPEN ACCOUNT. 
XXXX. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX This XXXX XXXX account is reporting as an opened account and with a past due balance of {$360.00} on my credit report on XXXX but Experian this account is reporting unpaid but with a past due balance as {$360.00}. 
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This XXXX XXXX XXXX account is reporting as an opened account and with a past due balance of {$630.00} on my credit report on XXXX. On Experian this account is reporting as debt buyer but with a past due balance of {$630.00}. 
. 
This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated a permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, I recently checked a copy of my credit report and found that you are reporting inaccurate, noncompliant, and false information about me. The following alleged accounts is listed as a collection with a PAST DUE BALANCE and is listed as an OPEN ACCOUNT. 
XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX is reporting as an open account and with a past due balance of {$360.00} on my credit report. 
XXXX XXXX XXXX ( XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX account is reporting as an open account and with a past due balance of {$630.00} on my credit report. 
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX account is reporting as an open account and with a past due balance {$400.00} on my credit report. 
XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX is reporting a past due balance of {$1600.00} on my credit report. 
This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail Sincerely Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, I recently checked a copy of my credit report and found that you are reporting inaccurate, noncompliant, and false information about me. The following alleged accounts is listed as a collection with a PAST DUE BALANCE and is listed as an OPEN ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reporting as a debt buyer account and with a past due balance of {$360.00} on my credit report. But This same XXXX. XXXX account  is reporting as an opened account and with a past due balance of {$360.00} on my credit report on XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX account is reporting as unpaid account and with a past due balance of {$630.00} on my credit report. This same XXXX XXXX XXXX account  is reporting as an opened account and with a past due balance of {$630.00} on my credit report on XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reporting a past due balance of {$1600.00} on my credit report. 
This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanntly removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Sincerely Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom it may concern, While looking at my credit reports I have noticed the account below had a discrepancy in the " payment history '' section of the listing : XXXX XXXX XXXX ) This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately. It is also my understanding that Under the FCRA 15 U.5.C. 5 16B1i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification are adhering to mandated Metro 2 data formatted reporting standards according to regulation XXXX ( XXXX ) When the requested above deletions are made, please mail me an updated copy of my credit report. 


Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : XXXX XXXX  XXXX ) This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item Immediately. It is also my understanding that Under the FCRA 15 U.5.C. 5 16B1i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification are adhering to mandated Metro 2 data formatted reporting standards according to regulation XXXX XXXX XXXX  ) When the requested above deletions are made, please mail me an updated copy of my credit report. 


Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To Whom it may concern, While looking at my credit reports I have noticed the account below had a discrepancy in the " payment history '' section of the listing : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately. It is also my understanding that Under the FCRA 15 U.5.C. 5 16B1i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification are adhering to mandated Metro 2 data formatted reporting standards according to regulation When the requested above deletions are made, please mail me an updated copy of my credit report. 


Kind Regards,

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 non-monetary relief