Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a copy of the following report via certified mail. 

XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am also requesting that you provide me with a copy of my credit report so that I can verify its accuracy.I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with Metro 2 regulations or else you could face fines! Again! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, Im requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.

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 XXXX XXXX XXXX Summary of Inquiries being challenged in list form XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Personal Information for Experian Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Your company 's records must be up-to date. If you have any address listed in your system that does not match my address as its listed in this letter to you, please delete them immediately so you can make sure your database has accurate information about Me! My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX 7 Year History - Account Description : Account Status : Experian XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Individual Closed {$2900.00} XXXX Account # : Experian XXXX CollectionOrChargeOff Revolving -- UNPAID BALANCE REPORTED AS A LOSS BY XXXX XXXX XXXX Account Type : Balance Owed : XXXX XXXX Closed Date : Credit Limit : Creditor Remarks : XXXX XXXX XXXX Account Rating : XXXX XXXX Page XXXX of XXXX Date Reported : - XXXX Dispute Status : XXXX XXXX Last Payment : XXXX -- Past Due Amount : XXXX -- Term Length : XXXX -- Date Opened : XXXX XXXX -- XXXX -- CollectionOrChargeOff ChargeAccount Creditor Type : - DepartmentAndMailOrder XXXX Date of Last Activity : XXXX High Balance : XXXX The information above was never confirmed to be in compliance with proper reporting standards. The information is deficient and I demand that it be removed immediately. 
Also, see the image above for XXXX XXXX XXXX XXXXXXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Viewing Account Type ( XXXX ) demonstrating Revolving. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements? 
I want to bring to your attention Date Opened ( XXXX ) reporting XXXX. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!? 
When I scrutinized Account Rating ( XXXX ) presenting CollectionOrChargeOff I challenge the accuracy of this account on my credit report. You know that I am a hard-working individual, but there are some things on it which do not reflect what's true for me and this is why your company has received so many complaints from customers who had issues with their reports being accurate or complete enough as they claim to be able provide such services if needed! How can I trust what's in my credit report? It doesn't look like you're following the required standards. 
XXXX XXXX XXXX XXXX XXXX XXXX Year History Account Description : Account Status : Experian XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Individual Closed {$0.00} XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX -- UNPAID BALANCE REPORTED AS A LOSS BY XXXX XXXX XXXX XXXX - Account # : Payment Amount : XXXX Payment Frequency : XXXX -- Payment Status : XXXX : XXXX Loan Type : XXXX Account Rating : XXXX CollectionOrChargeOff Account Type : XXXX Revolving XXXX Balance Owed : Closed Date : XXXX XXXX Credit Limit : Creditor Remarks : XXXX XXXX Creditor Type : Date Reported : Date Opened : - XXXX - Date XXXX XXXX Activity : XXXX Last Verified : XXXX Dispute Status : XXXX XXXX Last Payment : XXXX -- Past Due Amount : XXXX -- Payment Frequency : XXXX -- Term Length : XXXX -- High Balance : -- XXXX {$0.00} XXXX XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX CollectionOrChargeOff XXXX XXXX XXXX Loan Type : The information above has not been verified to meet reporting standards. The data provided is not complete, accurate, or up-to-date, and I demand that it be corrected. 

Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). Ive highlighted and circled additional areas of concern. 
I was looking at Date Reported ( - ) expressing XXXX The information on this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove me wrong, so that my account can be 100 % accurate! 
I want to bring to your attention Creditor Type ( - ) reporting Banking The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! 
Upon inspecting XXXX exhibiting XXXX. I am writing to ask for your help in reviewing this account. The data appears inaccurate or inconsistent with established reporting standards of the XXXX, so I would like you to review it again and make sure everything is true/ accurate about what's going on here before accepting its accuracy as fact! If there are any discrepancies when checking out these claims please remove me from consideration immediately because nothing can be worth doing at less than 100 % Lets take a look at Loan Type reporting CreditCard. The data reported doesn't meet the required standards. It could be inaccurate because it deviates from what's allowed, so make sure all fields are correct before adding anything to my credit report XXXX - XXXX 7 Year History - Account Description : Experian XXXX : XXXX XXXX : XXXX XXXX : XXXX Individual {$0.00} DepartmentAndMailOrder Account # : Experian XXXX CollectionOrChargeOff Revolving -- ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN FULL BALANCE XXXX XXXX Account Status : XXXX XXXX Account Type : Balance Owed : XXXX XXXX Closed Date : - Date Opened : Closed XXXX Account Rating : XXXX Credit Limit : XXXX XXXX Creditor Type : XXXX Creditor Remarks : XXXX Date Reported : - XXXX XXXX of Last Activity : XXXX Dispute Status : XXXX XXXX Last Payment : XXXX -- Past Due Amount : XXXX -- Payment Frequency : XXXX -- Term Length : XXXX -- High Balance : -- XXXX {$0.00} CollectionOrChargeOff ChargeAccount TradelineHashComplex : XXXX Loan Type : It's very important that your company complies with all applicable consumer laws and reporting standards. I am disappointed that you have failed to provide any documentation to prove compliance. If this report is not deleted immediately, legal action will be taken against your company. 

Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
When I scrutinized Creditor Remarks ( XXXX ) presenting ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN FULL BALANCE. Compliance with regulatory requirements is essential for accurate credit reporting! Prove to me that your information for this account has been fully vetted and meets all the standards of federal law, including but not limited XXXX XXXX standards. I need you show proof or explain how this account is compliant Upon inspecting XXXX exhibiting XXXX. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't imagine how we would operate if they were not obeyed! So, let 's take this opportunity for you to show me proof of your adherence to applicable compliance standards for this particular account.

Bring to your attention Creditor Type ( - ) reporting DepartmentAndMailOrder I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate.

Viewing Account Description demonstrating Individual. You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation?

Upon inspecting Loan Type exhibiting ChargeAccount. The data you reported doesn't meet the requirements! It's not accurate because it deviates from what is required. As I know, You must always report all fields in compliance with Metro 2 standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information When I scrutinized Date Reported ( - ) presenting XXXX This account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable! 
XXXX XXXX  XXXX 7 Year History - Account Description : Account Status : Experian XXXX : XXXX XXXX : XXXX XXXX : XXXX Individual Closed {$0.00} Account # : Experian XXXX CollectionOrChargeOff Revolving -- XXXX Account Type : Balance Owed : XXXX XXXX Closed Date : XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX XXXX Account Rating : XXXX XXXX Credit Limit : XXXX XXXX Creditor Type : - DepartmentAndMailOrder Date Reported : - XXXX Last Payment : XXXX -- Past Due Amount : XXXX XXXX XXXX Opened : Creditor Remarks : XXXX ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN FULL BALANCE XXXX XXXX -- Last Verified : XXXX XXXX Payment Amount : XXXX {$0.00} XXXX Date of Last Activity : XXXX Dispute Status : XXXX XXXX High Balance : XXXX Payment Frequency : XXXX Term Length : XXXX -- XXXX : Loan Type : Payment Status : -- XXXX CollectionOrChargeOff XXXX The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately! 

Also, see the image above for XXXX XXXX XXXX XXXX  XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
I was looking at Account Rating ( XXXX ) expressing CollectionOrChargeOff. This is a formal complaint about the content of my report. It has come to my attention that you failed in following standard procedures for accuracy, and as such I question its validity if not fixed immediately.

Upon inspecting Credit Limit ( XXXX ) exhibiting XXXX. I am disappointed to find that the data you reported does not meet our standards. It is inaccurate because it deviates from what's required by Metro 2 rules and there can never be any deviations from these requirements so please correct this account right away before my finances are impacted by incomplete or unverified information. 
Lets examine Account # ( XXXX ) showing XXXX Compliance with Metro 2 standards is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account! 
Lets take a look at Loan Type reporting ChargeAccount. There may be a problem with the data reported because it doesn't meet the required standards. The data may not be accurate because it deviates from what is required. As you know You must report all Data fields in compliance with the Metro 2 standards. There can be no deviation from these requirements. 
Upon inspecting Creditor Type ( - ) exhibiting XXXX. There are certain things I can not live without. XXXX of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! 
Viewing XXXX demonstrating XXXX. I am writing to inform you that the data for this account appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about CDIA requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas! 
Inquiries XXXX XXXX XXXXXXXX Experian ChargeAccount I received a copy of my credit report and was shocked to find an alleged hard inquiry on it. I don't know why this was reported, as you know this is not something that should have been reported. The Fair Credit Reporting Act states that no one may access your information without permission from you first. Please provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company. Otherwise, delete the alleged inquiries immediately. 
Yours Truly According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! 
XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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