Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: FL
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:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX  states that any deviation from these standards jeopardizes the integrity of data. 
This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 
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 Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX  ) ( XXXX ) - ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX 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  ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX ( Original Creditor : 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 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! 
Please remedy the situation immediately.Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.

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