Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian National Consumer Asst. Center XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Georgia XXXX ****To begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis- information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles. 
( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( b ) I do NOT have any required OTHER present addresses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ). 
( c ) I do NOT have any mandated OTHER SSNs and I do NOT covet any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( e ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ).

( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( s ).

Destination of my Consumer Complaint is Experian National Consumer Asst. Center XXXX XXXX XXXX XXXX, TX XXXX RE : Consumer letter to PHYSICALLY CHECK for replete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully undoubted, CORRECT, Complete, TIMELY, and or elsewise VALID as recorded and additionally as mandatory ensure that any injurious claim is PERFECT and Complete in its CERTIFIED METRO 2 FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY authentic ACCURATE entire VERIFIABLY VALID and CERTIFIED as such is a MINIMAL necessarily of lawful reporting NOT AN OPTIONAL ONE! I as well use this notification to contest ignorant or elsewise with deviation ( s ) allegations regardless of reason of dereliction. My document here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( s ) reality of collect- ability or not!

To Whom it Concerns, I am in receipt of a ongoing credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently announced item ( s ) are potentially deficient of the mandatory detail evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the unabridged and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to cling to or regain compliance of reporting no later than 20 days from your receipt of this lawful note of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent juridical authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as purported on my Current consumer credit profile Page 2 history by eradication and or removal from reporting the delinquently divulged item ( s ) of : Consumer 's Primary Name XXXX XXXX XXXX REMOVE the display reported Consumer 's Former Names ( s ) of - and - and - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Former Names is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
REMOVE the display reported Consumer 's Other Names ( s ) of - and - and - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Other Names is XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
Consumer 's Current Residence : XXXX XXXX XXXX XXXX GA XXXX Personal Identifier Information -XXXX XXXX XXXX Consumer 's Current Residence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX REMOVE the display reported Consumer 's Current Residence ( s ) of XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer 's Previous Residence : GA XXXX GA XXXX Personal Identifier Information -XXXX XXXX XXXX Consumer 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Residence : XXXX GA XXXX XXXX GA XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Experian XXXX REMOVE the display reported Consumer 's Previous Residence ( s ) of XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated Consumer 's Reported Employer ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's Reported Employer ( XXXX ) : XXXX XXXX XXXX XXXX XXXX TECHNOLOGIES XXXX Experian XXXX REMOVE the display reported Consumer 's Reported Employers ( s ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Reported Employers is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
Consumer 's Birth Year : XXXX XXXX XXXX Consumer 's Birth Year : XXXX XXXX XXXX Experian XXXX XXXX Consumer 's Birth Year : D XXXX I XXXX I XXXX XXXX Page 3 REMOVE the display reported Consumer 's Birth Year ( s ) of XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Birth Year : is XX/XX/XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
Please utilize the following KEY to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required BSCF Base Segment Character Format HRCF Header Record ... XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment TRCF Trailer Record ... HRPF Header Record Packed Format BSPF Base Segment Packed Format TRPF Trailer Record Packed Format XXXX Data Furnisher # XXXX XXXX Data Furnisher # XXXX T XXXX XXXX essentially stands for Not XXXX Translated within Cra/and or is Unknown F XXXX XXXX Experian M Missing but Required Reported E Potential Error I Inconsistent N Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not Attack mx Mixed mr Merged CRRG Credit Reporting Resource Guide FCRA Fair Credit Reporting Act V Potential Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CREDIT BUREAU DISPUTE XXXX XXXX XXXX XXXX, TX XXXX XXXX, TX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Joint Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX Data Reporter City, State, and Postal Zip Code XXXX XXXX XXXX Reporter Telephone Number XXXX XXXX Data Reporter Identification Number D ^NTCU^ Item 's Subscriber Number XXXX XXXX Activity Date XXXX XXXXXXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX XXXX Type ( Account Type- Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : XXXX XXXX Scheduled Monthly Payment Amount : XXXX XXXX Account Terms Frequency : U XXXX Account Terms Length : U XXXX Credit Limit : XXXX Account Highest Credit : XXXX XXXX Date of Last Payment : XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : XXXX ^XXXX^ Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened : XXXX XXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX Account Status : ^XXXX^ Account Status Information : ^XXXX Account Rating : XXXX XXXX Payment Status : XXXX Payment Rating : 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 Closed Paid Closed Paid Closed Paid Loan Current N/A Unknown N/A Page 4 ^XXXX^ Date of Account Information : XXXX XXXX XXXX XXXX : XXXX XXXX Account Dispute Status : ^XXXX^ Date Last Verified : XXXX XXXX Creditor Remarks : XXXX Two-Year Payment History XXXX XXXX XXXXccount not disputed XXXX XXXX XXXX XXXX Account not disputed N/A Account was in dispute - now resolved - reported by subscriber. 
N/A N/A Account not disputed N/A Closed or paid account/zero balance XXXX Experian 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 XXXX XXXXXXXX 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 CCCCC 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 Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards , of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see CDIA CRRG 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro 2 formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In regard to item questioned above, Activity Date reported as XXXX for XXXX, XXXX for Experian, XXXX for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict! 
As for the item questioned above, Date of Account Opened reported as XXXX for XXXX, XXXX for Experian, XXXX for XXXX are one, two, or each in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per CRRG3-4 ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent! 
Bearing attention to the item questioned above, Balance reported as Not Reporting for XXXX, Not Reporting for Experian, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency of reporting Appropriateness! 
In regard to item questioned above, Date of Last Payment reported as XXXX for XXXX, XXXX for Experian, XXXX for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict! 
In regard to item questioned above, Past Due Amount reported as Not Reporting for XXXX, Not Reporting for Experian, Not Reporting for XXXX and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin qua non for compliant reporting and as such are one or more assertedly deficient of its exigency of reporting Page 5 aptitude, sufficiency, and or amenability!

As for the item questioned above, Account Credit Limit reported as Not Reporting for XXXX, Not Reporting for Experian, Not Reporting for XXXX are one, two, or each in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per CRRG3-4 ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent! 
In regard to item questioned above, Data Reporter Name reported as Not Reporting for XXXX, Not Reporting for Experian, Not Reporting for XXXX and as such are one or more seemingly deficient of its exigency of reporting commensurateness and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted privilege to report.

In cognizance to the item questioned above, Data Reporter Street Address reported as Not Reporting for XXXX, Not Reporting for Experian, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! 
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 Revolving Account XXXX Experian XXXX XXXX XXXX Reporter Name XXXX XXXX XXXX XXXX XXXX Address D XXXX Data Reporter City, State, and Postal Zip Code D XXXX Data Reporter Telephone Number XXXX XXXX Data Reporter Identification Number XXXX XXXX^ Item 's Subscriber Number XXXX XXXX Activity Date D XXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX XXXX Type ( Account Type- Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : D XXXX Scheduled Monthly Payment Amount : U XXXX Account Terms Frequency : U XXXX Account Terms Length : U XXXX Credit Limit : XXXX Account Highest Credit : XXXX XXXX Date of Last Payment : XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : XXXX XXXX^ Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened : D XXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX Account Status : ^NTCU^ Account Status Information : ^NTCU^ Account Rating : XXXX XXXX Payment Status : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX, UT, XXXX XXXX XXXX XXXX XXXX XXXX Revolving Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Account -- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX -- M Paid XXXX -- M XXXX Individual Credit Card Paid Paid Paid Current V V Page XXXX XXXX Payment Rating : ^NTCU^ Date of Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Verified : XXXX XXXX Creditor Remarks : XXXX Two-Year Payment History XXXX XXXX XXXX Account not XXXX XXXX XXXX XXXX XXXX XXXX Account not disputed XXXX XXXX XXXX XXXX XXXX Account not disputed XXXX  Closed or paid account/zero balance XXXX Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UCCCCCCCCC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CCCCCCCCCC XXXX XXXX XXXX XXXX XXXX CCCCC 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 Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see CDIA CRRG 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely , physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro 2 formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In regard to item questioned above, Activity Date reported as XXXX for XXXX, XXXX for Experian, XXXX for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict!

In regard to item questioned above, Date of Account Opened reported as XXXX for XXXX, XXXX for Experian, XXXX for XXXX and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin qua non for compliant reporting and as such are one or more assertedly deficient of its exigency of reporting aptitude, sufficiency, and or amenability! 
In cognizance to the item questioned above, Balance reported as Not Reporting for XXXX, Not Reporting for Experian, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! 
In cognizance to the item questioned above, Date of Last Payment reported as XXXX for XXXX, XXXX for Experian, XXXX XXXX for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! 
In cognizance to the item questioned above, Past Due Amount reported as Not Reporting for XXXX, Not Reporting for Experian, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to Page 7 prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!

Bearing attention to the item questioned above, Account Credit Limit reported as XXXX for XXXX, XXXX for Experian, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency of reporting Appropriateness! 
In regard to item questioned above, Data Reporter Name reported as XXXX XXXX for XXXX, XXXX XXXX for Experian,- for XXXX and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin qua non for compliant reporting and as such are one or more assertedly deficient of its exigency of reporting aptitude, sufficiency, and or amenability! 
In regard to item questioned above, Data Reporter Street Address reported as XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX for XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX for Experian,- for XXXX and as such are one or more seemingly deficient of its exigency of reporting commensurateness and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted privilege to report. 
- - XXXX XXXX XXXX  XXXX Data Reporte

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