Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX OH XXXX DOB XXXX SS XXXX Re : This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings are certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity unequivocally as disclosed, as indicated!

To Whom it Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data furnishing reporter ( s )?

It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ). 
Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I therefore am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have lodges a contesting of reporting privilege ( s ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( s ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( XXXX ) with redacted truncation. In mathematical reality, this makes impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true account number, whatever it might be, exactly and only the reported data fields and reported data field information as proclaimed by the alleged accusing data reporting furnisher? Further, I ask, given the redacted values within the alleged charged off claim versus me, how can it possibly be confirmable the impeccable reporting when it's not provable the displayed data fields are in and of only perfect alignment with the exact information from such data field ( s ) related to only the one account number that would be supposed truly and provable mine yet not even exposed at all? As example, if were 4 redacted values in any truncated number, there is at least XXXX potential account numbers ( XXXX ) that would satisfy filling in those redacted values yet only one COULD BE THAT OF THIS REPORTING. MATHEMATICALLY, IT IS IMPOSSIBLE FOR ANY ALLEGING DATA REPORTER OR ANY ACCEPTING REPOSITORY OF DATA TO KNOW IN CERTAINTY THE CLAIMS MADE ARE FACTUAL, VERIFIABLE, VALIDATABLE, COMPLIANT, MUCH LESS CONFIRMATIONAL if said considered information is from a concerning truncation. 
Another potential ailment in the reported claims adherence to requirements appears to be the reported base field 15 related to the scheduled monthly payment amount. This deviation highlights the likelihood of questionable reporting, an infraction of the ethical and lawful reporting practices of each or either the alleging data reporting furnisher and any accepting repository. 
The universal requisites, at a minimum, includes adhering to any and all applicable federal and state statutes, regulations, and standards which is required to ensure that the involved entities each have the correct policies and procedures in place to document their confirmed certifiable compliant reporting process even to the mandates to adhere to the Metro 2 data-filled field formatted reporting standards, of which no omitting nor deviations from the aforementioned standards can exist without jeopardizing the claimed data 's integrity calling into question its ethical and or lawful retaining of the very conditional privilege to report complete, true, accurate, physically proven data. THIS OFFICIAL CONSUMER COMPLAINT is my compliance-based contesting of the accusers reporting privilege related to any negativity accused versus me. In this, accept my challenging of you and or the reporter for proof of adequate confirmed reporting process including the mandatorily utilized Metro 2 format. CLEARLY INACCURACIES CANT BE CERTIFIABLY COMPLIANT! 
Please remove all disputed claims. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX / XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX Type Detail : Reason : XXXX Account Type : Reason : MISSING INFO XXXX Credit Limit : Reason : XXXX Highest Credit/Original Loan Amount Reason : XXXX Terms Duration : Reason : MISSING XXXX Scheduled Monthly Payment Amount : Reason : XXXX Account Status : Reason : XXXX Comments : Reason : XXXX Compliance Condition Code : Reason : MISSING INFO XXXX XXXX  XXXX XXXX  Code : Reason : XXXX Data Furnisher XXXX XXXX  Type Detail : Reason : XXXX Account Type : Reason : XXXX Credit Limit : Reason : MISSING INFO XXXX Terms Duration : Reason : XXXX Scheduled Monthly Payment Amount : Reason : XXXX Account Status : Reason : NOT ACCURATE XXXX Comments : Reason : XXXX Compliance Condition Code : Reason : XXXX & XXXX XXXX XXXX : Reason :

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