Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: IL
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:
According to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ), I am challenging all inaccuracies or deficiencies of reporting from my credit report. The information in my profile needs to be accurate and complete, so I asked them to follow the Metro 2 compliance standards and FCRA law to ensure that all data is accurate and up-to-date. If they find any misrepresentation of facts on my credit report, it can have serious consequences, so I needed them to fix these problems right away.

From this point forward, I only want factually accurate, verified, and compliant data documented on my credit report.

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form US DEPT ED ( XXXX ) - ( XXXX ) XXXX US DEPT ED XXXX XXXX ) - ( XXXX ) XXXX US DEPT ED ( XXXX ) XXXX ( XXXX ) XXXX US DEPT ED ( XXXX ) - ( XXXX XXXX XXXX US DEPT ED ( XXXX ) - ( XXXX ) XXXX I'm concerned about the accuracy and honesty of the credit reporting agencies data. According to FCRA section 611, it's essential that their records are accurate and up-to-date, which includes both customers and potential lenders or employers. After doing some research into Metro 2 compliance standards, I've found that there may be some inaccuracies in their reporting if these issues are not promptly resolved. Would love any feedback possible before taking any legal action against them My credit report is a representation of my financial standing, and I take pride in keeping it up-to-date. With that said, they have the responsibility to keep my credit profile and report accurate and authentic. Therefore, I needed them to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate and never had any verification or compliance with reporting laws. So now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact on my quality of life. The data on my credit report is of high importance, but it's currently not a representation of who I am financially because it's inaccurate. I'm demanding accurate documentation so thy can document me- the person who deserves status in society- correctly! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of their investigations into the details of my credit records. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form US DEPT ED ( XXXX ) - ( XXXX ) XXXX US DEPT ED XXXX XXXX ) - ( XXXX ) XXXX US DEPT ED ( XXXX ) XXXX ( XXXX ) XXXX US DEPT ED ( 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 ) XX/XX/2021 I am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that they have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If they suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all of their claims need to be accurate and reported in the correct format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ), Metro 2I demand proof of how they verified accuracy and compliance for any account they claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end .they have been given 30 days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. in which they failed to comply, I also would like for them to mail me a copy of their actions and my updated credit report. The information they have provided does not appear to be accurate or verified. If any of these claims are false, please delete them immediately! I have given them 30 days to dispute this information no results and will need proof of your investigation before anything is updated on my credit report.

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