Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing this complaint to cfpb versus XXXX, XXXX XXXX XXXX, Experian in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.

My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS!

The company indicated either fails to report fairly and to their own industry 's established mandatorily utilized Metro2 Compliant standards thereby giving me legitimate concerns the negative information portrayed by the company is either ( i ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( 2 ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity versus each any and all consumers by each any and all data reporting furnisher ( s ) and or accepted by each any or all consumer credit reporting repository ( ies ) is in fact done so without deviation from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to that aforementioned maximum possible accuracy and completeness.

My contention is the company mention either in ignorance of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in XXXX 'S own XXXX manual ( see XXXX XXXX ) on which is plain as day stated " ANY DEVIATION FROM THESE STANDARDS ( Metro2 ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemable legitimate giving me the RIGHT I've exercised to CONTEST the indicated company 's inadequately asserted but very conditional PRIVILEGE to report information provably versus me. In my contesting of their privilege to report in this circumstance related to this filed cfpb notice I as well did forward previously not successfully responded to and even here and now currently demanded answered CHALLENGE to the mentioned indicated company for them to demonstrate document proof confirming the information alleged versus me in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged versus me. As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) declarational overments versus me with antipodal antithesis, XXXX unjustly even hence my here n now rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( s ).

My demands for demonstrated document proof of their adherence to reporting pertinence as is required of them fell unsatisfied even to this date thereby forcing my hand to request cfpb Authoritative intervention prior to my potentially necessary request and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the indicated company 's reporting behaviors, regulated by law! Please act now to have XXXX, XXXX XXXX XXXX, Experian remove from reporting and their own records ANY aspect of any claim unproven to meet satisfactorily at least the minimal criterion to have earned that privilege to initially report much less continually to report. I demand ( [ information inadequately reported such as account name, account number, account 's alleged primary negativity type-charge off for example-and so on necessary to highlight what precise information led to your contesting the company 's assumed privilege to report ] ) to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the indicated company in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied versus me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors! Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS.

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