Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NY
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:
To whom it may concern : This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards.I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the XXXX XXXX data field formatted reporting standard. I don't think your report is accurate because of the lack of evidence in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. 
XXXX 2 Year Payment History OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Open Account Type : Revolving Balance Owed : {$310.00} Credit Limit : {$400.00} Creditor Remarks : Credit card Amount in H/C column is credit limit Creditor Type : Credit Card Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$0.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$30.00} Payment Status : Current Term Length : XXXX The information you provided is not accurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue! Inaccurate, imperfect information has no place in your database or on my credit report so please delete it now. 
XXXX 2 Year Payment History OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Closed Account Type : Installment Balance Owed : {$690.00} Credit Limit : {$0.00} Creditor Remarks : Account closed at consumer 's request Consumer disputes after resolution Creditor Type : - Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$0.00} Last Payment : XX/XX/XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SQ, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Past Due Amount : {$690.00} Payment Amount : {$0.00} Payment Status : Late 120 Days Term Length : 0 The derogatory information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! 
XXXX XXXX 2 Year Payment XXXX XXXX CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK Account # : XXXX Account Description : Individual Account Status : Derogatory Account Type : Revolving Balance Owed : {$0.00} Credit Limit : {$0.00} Creditor Remarks : Settlement accepted on this account Paid charge off Creditor Type : - Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$210.00} Last Payment : XX/XX/XXXX Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Status : Collection/Chargeoff Term Length : 0 The content mentioned above has never been certified to meet reporting standards. The data provided has never been verified as accurate, complete, current, or valid. In order to ensure compliance with any consumer legislation and reporting obligations, I demand that any incorrect, incomplete, or unsupported material be deleted immediately.

Regards As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX SQ, NY 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. 
Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX 1987

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