Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contested the retention of data by Experian and XXXX for more than two years. They have not demonstrated the burden of proof for their reporting of the accounts listed below. 

THE AGREED STATEMENT OF FACTS is for ADEQUATE and TRUTHFUL REQUISITE consumer reporting and record-keeping, specifically in respects to the nationally recognized XXXX major credit reporting repositories of EXPERIAN, XXXX, and XXXX XXXX as well as XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXXXXXX , among others, as well as any entity which may be involved in any manner with consumer reporting as related to this affiant of note hereby making this exact true and lawful XXXX NOTICE ( XXXX XXXX XXXX XXXX XXXX XXXX ) on the date, displayed and notarized by an official of the state lawfully in a capacity to make such declaration.

BE IT KNOWN and be it ACCEPTED the following FACTS : As a potentially injured consumer of the reported allegation ( XXXX ) of negativity ( ies ), true or not, Lawfully I have the RIGHT to demand and request proof of PERFECT REPORTING OF CLAIMS versus me and knowledge if or not that who reported the accused information via a certifiably compliant, ethical, and lawful process, format and standards else wise. With that understood, please now accept this announcement that this is my testifiable write complaint versus claim ( XXXX ) reported, so enacted is my rights versus your privilege to report versus me. Officially, I contest your capacity to report your claim ( XXXX  ) lawfully and demand that you remove all negative aspects of the claim from reporting immediately, else demonstrate document evidence confirming that you, in fact, did fulfill your lawful reporting responsibility in assuring all acts of your reporting process and or reporting format was and is currently certifiably compliant, even assertion that your reporting utilized the mandatory perfect and complete Metro XXXX XXXX XXXX compliance standards without deviation. Contested is your lawful reporting ; hence my rightful challenge is for you to present the required certified compliant reporting process which fully adhered to the mandated perfect complete Metro XXXX format. If unable or unwilling to certify that requisite compliant reporting, it's evident your actions of unethical, unlawful reporting was not done solely of ignorance but potentially you were and or now still WILLFULLY NON-COMPLIANT despite the injuries you have and are causing me. I demand that you do so in a federally recognized timely manner else submit to my Request now! Please consider the above and more that which follows below : The alleged creditors of XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX CARD are not proven to be testimonial in their missing & documented certificate in confirmation of fact ( XXXX ) stated and absoluteness of the truth asserted. Even more, nor is there existing evidence of allegations exactly as reported, as displayed. However, the claims reporter is mandated to be with certified document evidence that claims alleged is entirely reported compliantly, truthfully, correctly, completely, timely, or else wise adequate even undeniably perfect as is REQUIRED DEMONSTRATED so item MUST BE DELETED now to be appropriately reported in lawful standing. As displayed, as reported, this items claim appears to have at least one or more potential deviations of the Metro XXXX Format Standard ; therefore, the claims believability is at best questionable, and its reportability is contested. Please consider in consumer complaint the following dereliction possibilities such as :

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