Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received any confirmation on how EXPERIAN, XXXX AND XXXX verified these inaccurate alleged accounts on my credit report therefore I request that you consider this a final notice to EXPERIAN, XXXX AND XXXX Registered Agents XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Past This Point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if needed as evidence of my trying to rectify the subterfuge that EXPERIAN, XXXX AND XXXX are XXXX. 

EXPERIAN XXXX AND XXXX are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Please accept this as my official writ Composition Notification in lawful declaration of EXPERIAN, XXXX AND XXXX DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to EXPERIAN, XXXX AND XXXX requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the XXXX XXXX data field formatted reporting regulatory standards REQUIRED of EXPERIAN, XXXX AND XXXX and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLIANT that EXPERIAN, XXXX AND XXXX allegations ARE NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims. 

EXPERIAN ACCOUNTS : XXXX : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX ACCOUNTS XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is regarding my account ( s ) with EXPERIAN, XXXX AND XXXX as noted above that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulation, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate XXXX XXXX COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not. It is QUITE OBVIOUS that EXPERIAN, XXXX AND XXXX somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regard to these noted challenged items listed above ( unlawfully so mind you ). It seems to be, asininely EXPERIAN, XXXX AND XXXX claimed that my account ( XXXX ) has been late on payments. This is a formal notice that EXPERIAN, XXXX AND XXXX claim is being challenged as to its MANDATED compliant reporting and if unproven than your notification that it is irrefutably being disputed. In the very least. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that i am requesting " validation ; that is competent evidence of any and all calculation, accounting audits, dates, and balances as related to only to account agreement ( s ) I hold with EXPERIAN, XXXX AND XXXX of which there exists a consumer - credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakable in the bearing of my execution of lawful signature indisputably showing that i am knowledgeable of any and all conditions of such that might have created any derogatory or known-positive reflection upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that i am or have ( or ever had ) been late.Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that they represent, is a violation of the FCRA and or the FDCPA ; therefore if and when EXPERIAN, XXXX AND XXXX can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance the laws are in clarity to the facts that EXPERIAN, XXXX AND XXXX absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED NEVER LATE! Please forward to me as well display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as paid or pays as agreed, NEVER LATE entry. 


Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that EXPERIAN, XXXX AND XXXX submit, EXPERIAN, XXXX AND XXXX are further instructed to take no action that could be detrimental to any of my credit reports. EXPERIAN, XXXX AND XXXX failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against EXPERIAN, XXXX AND XXXX at my local venue. Without hesitancy, I would be seeking a minimum of {$1000.00} + per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA, my States credit reporting codes or else wise to include the requisites to have only true, correct, and incomplete recordings in utilization of the XXXX XXXX data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via ful deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that i am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREEDNEVER LATE. Any other notation is possibly refutable or even unlawful chichanary- led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of nay reporting ethics and standard of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one. 

According to 18 USC 894 whoever knowingly participates in any way or conspires to do so, in the use of any extortionate means to collect or attempt to collect any extension of credit or punish someone for not paying any debts that includes negative credit reporting shall be fined pursuant to this title or imprisoned not more than 20 years, or both. 

According to 5 USC 7311 EXPERIAN, XXXX AND XXXX can not strike against federal law and EXPERIAN, XXXX AND XXXX have done this numerous times! This is another violation pursuant to this title I have called, I sent numerous dispute letters and emails pertaining the inaccurate information reporting on my credit report. 

According to 15 USC 1681i ( 5 ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Let me remind you that EXPERIAN, XXXX AND XXXX are not government agencies or entities, they are not political subdivisions, and they are all against the constitution These agencies were NEVER given the role to furnish credit reports, they ASSUMED the role. 

This is exactly why CONGRESS implemented the FAIR CREDIT REPORTING ACT I am not afraid and will not fall victim to the inaccurate reporting on my credit reporting. 

According to 18 USC 893 Whoever willfully advances money or property, whether as a gift, as a loan, as an investment, pursuant to a partnership or profit-sharing agreement, or otherwise, to any person, with reasonable grounds to believe that it is the intention of that person to use the money or property so advanced directly or indirectly for the purpose of making extortionate extensions of credit, shall be fined under this title or an amount not exceeding twice the value of the money or property so advanced, whichever is greater, or shall be imprisoned not more than 20 years, or both. 

PLEASE ACT ON THIS MATTER!

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 explanation