Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Subject : Urgent Update Request and Complaint Regarding Inaccurate Information in Credit Report Dear Consumer Finance Protection Bureau, I am writing to bring to your attention several issues regarding the accuracy of the information in my credit report. It has come to my attention that the data contained in your database does not meet the minimum accuracy requirements, which is a matter of serious concern. I demand that you take immediate action to update the information, failing which I may have to pursue legal action. 

I have attached an image highlighting and circling additional areas of concern related to the account " XXXX XXXX ( XXXX ) XXXX ( XXXX ). '' In particular, I would like to draw your attention to the " Payment Status ( XXXX ) '' field, which is reported as " Collection/Chargeoff. '' This data seems to deviate from the required standards and may not be accurate. It is essential that all data fields comply with the Metro 2 standards without any deviations. 

Furthermore, I have scrutinized the " Past Due Amount ( XXXX ) '' field, which is reported as {$0.00}. I challenge the accuracy of this account on my credit report, as it does not reflect the reality of my financial history. Your company has received numerous complaints from customers regarding inaccuracies and incompleteness of their credit reports. As a hard-working individual, I find it difficult to trust the information provided if it does not adhere to the required standards. 

Similarly, when reviewing the " Term Length ( XXXX ) '' field, I noticed that it is reported as " 60 Month ( s ). '' This information does not meet the standards set by the Metro 2 guidelines. It is crucial that all fields are correctly filled out and comply 100 % before being added to my credit profile. I request that you either remove this inaccurate record from my report or provide evidence of your compliance with the applicable standards. 

I examined the " Last Payment ( XXXX ) '' field, which is reported as XX/XX/XXXX. I have concerns regarding the accuracy of this information. As a hard-working individual, it is disheartening to find discrepancies in my credit report. The accuracy of your reports depends on your thorough adherence to the standards set by Metro 2. Without trust in the information contained in my credit report, its purpose becomes futile. This account does not meet the required standards, and I challenge you to demonstrate the perfection of my report. 


I am writing to address several concerns regarding the accuracy of information and compliance issues in my credit report. The attached image highlights and circles additional areas of concern related to the account " XXXX ( XXXX ) XXXX ( XXXX ). '' Upon inspecting the " Date Opened ( XXXX ) '' field, it is reported as XX/XX/XXXX. I hereby challenge the accuracy and compliance of the reports concerning this account. I suspect there may be issues with how it is being reported, potentially leading to erroneous assumptions affecting future loans or decisions. I request that you provide evidence of following proper procedures to ensure accurate information is reflected in my records. 

Additionally, the " Past Due Amount ( XXXX ) '' field is reported as {$0.00}, which raises alarming discrepancies. I trust that you will promptly review the account with great attention to detail, as it seems something is amiss. The data appears to be inaccurate or inconsistent with the established reporting standards of the XXXX XXXX XXXX XXXX ( XXXX ). 

Furthermore, upon scrutinizing the " High Balance ( XXXX ) '' field, it is stated as " {$1900.00}. '' It is evident that there is a problem with the reported data, as it fails to meet the required standards. The information provided may not be accurate due to deviations from the compliance requirements outlined in the Metro 2 guidelines. Therefore, I insist that all fields are filled out correctly according to these standards before being added to my credit profile. 

In reviewing the " Date of Last Activity ( XXXX ), '' it displays XX/XX/XXXX. It is imperative that you provide evidence to support your claim that this account has been compliant with all current regulations. I demand proof that demonstrates adherence to these requirements. 

Moreover, the " Dispute Status ( XXXX ) '' indicates " Account not disputed. '' I challenge you to prove that your reporting practices and processes are in perfect compliance with the Metro 2 format guidelines. If you are unable to provide such proof, it casts doubt on the accuracy of my credit report, which relies on the provision of accurate information. 

Lastly, I noticed that the " Account Rating ( XXXX ) '' is expressed as " Paid. '' Compliance with regulatory mandates for accurate credit reporting, including document verifications and proofing processes, has never been more crucial. I seek official documentation that substantiates your company 's adherence to all rules governing the reporting of this account. I require 100 % accuracy and compliance with credit-reporting guidelines. 

In conclusion, I request an immediate resolution to the inaccuracies and non-compliance issues within my credit report. I anticipate your prompt attention to this matter and the provision of a thorough investigation to rectify the discrepancies. It is of utmost importance that credit reporting agencies maintain accurate information in accordance with established standards to protect consumers like myself. 

I look forward to your timely response and the resolution of these concerns. 

Sincerely, XXXX XXXX I look forward to your urgent response and resolution of this matter. 

Sincerely, 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