Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Today on XX/XX/2019 I was notified by Experian alerts that they refuse to remove XXXX XXXX XXXX, XXXX/XXXX  XXXX and XXXX XXXX and have yet to provide validity to why they are not removing it. Simply stating that this is factual and that it has been verified that this is in fact my debt is not sufficient. Credit reporting agencies are required to provide written information that this is in fact my debt and signatures of mines as well and have not done so from the original creditor. Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a chal-lenge checking for compliant reporting ) pending the outcome of my investigation of any evi-dence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial set-ting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your de-ficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obliga-tory statutes such as the FDCPA, FCRA, my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 da-ta field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY AC-COUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. 
LET IT BE CLEAR that I am NOT in dis-pute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, complete-ness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects.It is my request that you RETURN to or RE-TAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subterfuge which might be deemed an illegal infrac-tion that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE in-fringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to respon-sible reporting and would be deemed an act of aggression, be it an unlawful one. 
In genuine sincerity, 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 explanation