Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: SC
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:
am writing to DISPUTE the following files that Experian is reporting. In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, admissible adhering of Federal and state reporting laws and or suitability in your principled adhering to the mandatorily abided by credit reporting industrys standards namely the CDIAs own CRRG-detailed Metro2 Formatted reporting without deviation ( s ), errors, nor omissions of belonging documented compilations that may else better ensure integrity of asseverations made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which potentially can have NOT been satisfied or suitably maintained. I further require, and you are MANDATED BY LAW to comply with, that you present confirmable evidence of any negativitys certifiably even undoubtedly abiding of and reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are passable even sure to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. 


Accounts : XXXX XXXXXXXX XXXX XXXX XXXX  Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX  ( per CRRG2-2 ) : Per the CDIAs own 2020 CRRG2-2, An Industry standard for reporting consumer accounts WILL ENSURE THE INTEGRITY AND CONSISTENCY of reported data. This MANDATORILY UTILIZED STANDARD includes but is NOT LIMITED to requirements that ALL ACCOUNTS be reported AT LEAST once MONTHLY, the FINAL ACCOUNT STATUS CODE MUST BE REPORTED if and when an account is PAID OR CLOSED with a XXXX balance. CYCLIC REPORTING must occur at cycles close, etc .... 

ACCURACY AND INTEGRITY DEFINITIONS ( per CRRG and 2010 FACT ACT ) : Per the CDIAs own 2020 CRRG, the 2010 FACT Act Data Furnisher Rules define the term Accuracy to mean t h a t summaries of derogatoriness that a furnisher provides to a consumer reporting agency about an account OR other relationship with the consumer correctly ( 1 ) Reflects the terms of AND liability for the account or other relationship, ( 2 ) Reflects the consumers performance and other conduct with respect to the account o r other relationship, ( 3 ) Identifies the appropriate consumer ..... The following data is suspect to be in deviation of requirements for fair and accurate reported and I necessitate that ANY and all negativity ( ies ) related to be terminated immediately, permanently and completely or else proven proper in writing : Additionally, In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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