Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
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

Complaint:
There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that errors in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You're infringing on my rights! In this document, I've enumerated my issues with your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 

XXXX XXXX XXXX XXXX Late Payment {$32000.00} XXXX XXXX XXXX XXXX Collection {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$1000.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX {$1100.00} XXXX  XXXX Collection {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Collection {$1500.00} XXXX XXXX Collection {$3900.00} XXXX XXXX Collection {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$3900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$2600.00} XXXX XXXX Collection {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX Charge-off {$2800.00} XXXX XXXX  XXXX Charge-off {$280.00} XXXX XXXX XXXX Charge-off {$9000.00} XXXX XXXX XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$660.00} XXXX XXXX Charge-off {$1500.00} XXXX XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00} XXXX  XXXX Charge-off {$0.00}

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