Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX CHILD SUPPORT ENF AG/N ( XXXX ) XXXX XXXX XXXX ) XXXX o whom it may concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified.

According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, 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 these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX  ( XXXX ) - ( XXXX ) XXXX ( Original Creditor : XXXX XXXX ) ( XXXX XXXX - ( XXXX ) XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency.With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report.Furthermore, the Metro 2 standard is a common format for reporting credit information. Banks and other lending institutions use the Metro 2 standard to report information to the CRAs. The goal of the Metro 2 standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The Metro 2 standard was developed by the Consumer Data Industry Association ( CDIA ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and METRO 2 standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights.The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you! Also, federal law requires you to respond within thirty ( 30 ) Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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

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