Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, California XXXX To Whom It May Concern : I recently reviewed my Experian credit profile and again noticed inaccuracies and/or incomplete information, and I recognize that this account remains inaccurate and continues to contain different information in each credit bureau, in spite of several previous requests for deletion. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be appropriately verified. It is also my understanding that Under the FCRA 15 U.S.C & 1681i, each account even any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or the alleged account must be completely deleted. Further, in your previous responses, you verified that inaccurate information was removed from my credit profile pursuant to XXXX vs Experian, ( XXXX ) in violation of the Fair Credit Reporting Act, United States of America vs Experian , Inc., ( XXXX ) in violation of The Consumer Financial Protection Bureau policy, The People of the State of California vs Experian , Inc., ( XXXX ) in violation of the Fair Debt Collection Practices Act, and XXXX vs Experian ( XXXX ) in violation of the Grahm-Leach-Bliley Act. The above history verifies that you continue to engage in blatant disregard for applicable law. I am now enacting my consumer and civil rights to compel you to annul with permanent deletions of these derogatory accounts or provide testimony and certification that you are adhering to mandated data formatted reporting standards according to current Federal regulations. The following derogatory account allegations are either untrue, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately. Please see previous complaint # XXXX. 


Summary of the 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 XXXXXXXX The information in these accounts appears to be inaccurate or inconsistent with established reporting standards of the CDIA and all other credit bureaus. I would like you to review it again so that my account can be 100 % accurate! Metro 2 requires that all reported information be accurate and up-to-date. It's clear there have been some errors in this account, as indicated by several changes you made since my last communication, which calls into question the integrity of everything else reported here! I was looking at Last Reported ( - ) expressly XXXX. The information in these accounts appears to still be inaccurate or inconsistent with established reporting standards of the CDIA. Again, I would like you to review it once more so that this account can be made 100 % accurate as required by law! 

Sincerely, XXXX XXXX Please send your written response to my address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, California 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