Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
- ALSO KNOWN AS : XXXX XXXX XXXX .. XXXX XXXX  ***************************************************************************************************** REMOVE the display reported ALSO KNOWN AS ( XXXX ) of and and as my REQUISITE REPORTED CURRENT CORRECT COMPLETE FIRST & LAST NAME is XXXX XXXX XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
XXXX XXXX ***************************************************************************************************** CURRENT ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX REMOVE the display reported CURRENT ADDRESS ( s ) of and REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
***************************************************************************************************** PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX Updated : XXXX XXXX XXXX XXXX XXXXXXXX Updated : XX/XX/XXXX Personal Information - PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX : Personal Information / Summary / Account History -XXXX XXXX XXXXXXXX XXXX I I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX Updated XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Updated : XX/XX/XXXX ***************************************************************************************************** REMOVE the display reported PREVIOUS ADDRESS ( s ) of and XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Updated : XXXX XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX and as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
***************************************************************************************************** EMPLOYER : XXXX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXXDate Updated : XX/XX/XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX : Personal Information / Summary / Account History -XXXX XXXX XXXXXXXX XXXX Information XXXX EMPLOYER : XXXX XXXX Experian REMOVE the displayed reported EMPLOYER ( s ) of XXXX XXXX XXXX XXXX XXXX Updated : COMPANYDate Updated : XXXX Updated : XX/XX/XXXX I XX/XX/XXXX I XXXX XXXX XXXX Updated : XX/XX/XXXX XX/XX/XXXX I ***************************************************************************************************** and XXXX XXXX XXXX XXXX XXXX XXXX COMPANYDate Updated : XX/XX/XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX and as I do NOT HAVE any REQUISITE REPORTED CURRENT nor PREVIOUS EMPLOYER ( s ) .I DO NOT AUTHORIZE you to retain nor report any personal identifier data of which is not EACH of being VERIFIABLE, TRUE, CORRECT, COMPLETE, TIMELY, or elsewise documented VALIDATED, so do NOT! 
***************************************************************************************************** DATE OF BIRTH : XXXX XXXX XXXX Personal Information XXXX Experian Quick Links : Personal Information / Summary / Account History -TXE XXXX XXXX XXXX DATE OF BIRTH : .. XXXX .. ***************************************************************************************************** ***************************************************************************************************** Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==> XXXX.. 
XXXX.. 
REMOVE the display reported DATE OF BIRTH ( s ) of XXXX and XXXX and XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE DATE OF BIRTH : is XX/XX/XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
CREDITOR NAME XXXX XXXX  Inquiries XXXX Creditor Name XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX Q XXXX Credit Bureau XXXX XXXX XXXXXXXX Experian Delete this unconfirmed inquiry lacking certifiable evidence of lawful permissible purpose ***************************************************************************************************** Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==> CREDITOR NAME XXXX - XXXX Inquiries XXXX Creditor Name XXXX - XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX Date of inquiry XXXX Credit Bureau XXXX XXXX XXXXXXXX Experian XX/XX/XXXX Q Delete this unconfirmed inquiry lacking certifiable evidence of lawful permissible purpose XXXX Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==> CREDITOR NAME XXXX  Inquiries XXXX Creditor Name XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX Credit Bureau XXXX XXXX XXXXXXXX Experian Delete this unconfirmed inquiry lacking certifiable evidence of lawful permissible purpose ***************************************************************************************************** Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==> CREDITOR NAME INQUIRY DATE XXXX XXXX  XX/XX/XXXX Page 3 of 9 Inquiries XXXX Creditor Name XXXX Date of inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Q Delete this unconfirmed inquiry lacking certifiable evidence of lawful permissible purpose ***************************************************************************************************** XXXX Credit Bureau XXXXXXXX XXXX XXXXXXXX Experian Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==> CREDITOR NAME XXXX XXXX Inquiries XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX Please utilize the following KEY to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required BSCF Base Segment Character Format HRCF Header Record ... XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment TRCF Trailer Record ... HRPF Header Record Packed Format BSPF Base Segment Packed Format TRPF Trailer Record Packed Format XXXX Data Furnisher # XXXX XXXX Data Furnisher # XXXX T XXXX XXXX XXXX XXXX Experian XXXX Missing but Required Reported XXXX Potential Error XXXX Inconsistent XXXX Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not Attack XXXX Mixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Fair Credit Reporting Act ***************************************************************************************************** Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==> XXXX Account # : XXXX XXXX XXXX 
INQUIRY DATE XX/XX/XXXX XXXX Date of inquiry XXXX Credit Bureau XXXXXXXX XXXX XXXXXXXX Experian XX/XX/XXXX Q Delete this unconfirmed inquiry lacking certifiable evidence of lawful permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX.. 
XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX? 
XXXXXXXX XXXX 
XXXX XXXX XXXX : XXXX {$1400.00} XXXX {$1400.00} XXXX {$0.00} XXXX XXXX Last Verified : XXXX XX/XX/XXXX.. 
XXXX XXXX XXXX XXXX XXXXXXXX Date of Last Activity : D XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date Reported : XXXX XX/XX/XXXX I XX/XX/XXXX I XX/XX/XXXX XXXX XXXX Date Opened : XXXX XX/XX/XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : .. {$700.00}.. 
{$700.00}.. 
{$700.00}.. 
XXXX Closed Date : D -- M -- M -- M XXXX Account Rating : .. XXXX.. 
Open.. 
Open.. 
XXXX, XXXX, XXXX Account Individual.. Individual.. Individual.. Description :.. 
XXXX Dispute Status : .. Account not disputed.. 
Account not disputed.. 
Account not disputed.. 
Page XXXX of XXXX - Creditor Type : XXXX Bank XXXX Bank XXXX XXXX XXXX All Banks XXXX XXXX Account Status : .. Open.. 
Open.. 
Open.. 
XXXX Payment Status : .. XXXX .. XXXX .. XXXX.. 
XXXX Creditor Remarks : D Dispute resolved; reported by XXXX XXXX Account was in dispute - now resolved - reported by subscriber. 
XXXX Credit card Amount in H/C column is credit limit XXXX XXXX Payment Amount : .. {$35.00} .. {$35.00} .. {$35.00}.. 
XXXX Last Payment : D XX/XX/XXXX I XX/XX/XXXX I XX/XX/XXXX XXXX XXXX Term Length : D -- M -- M -- M XXXX Past Due Amount : Q {$0.00}.. 
XXXX Two-Year payment history XXXX Experian XXXX XXXX XXXX ALLEGED XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note this is a discontinuance of reporting request. Please attest by document demonstration the confirmation of the above claims certitude of all facts alleged to have been physically verified and validated even to every notation, all dates and balances, any compliance condition code ( s ), and or any aspect ( s ) for any necessary metro 2 compliance segment and field ( s ). This claim as reported, as displayed hints to at least the following compliance-based issues. 
XXXX Date of Last Activity : D deviates from the Standard ( s ) of lawful reporting XXXX Date Opened : XXXX deviates from the Standard ( s ) of lawful reporting XXXX Date Opened : XXXX deviates from the Standard ( s ) of lawful reporting ***************************************************************************************************** Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==> XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 
{$0.00}.. 
{$0.00}.. 
XXXX Account Type : .. Credit Card XXXX Credit Card .. Credit Card.. 
XXXX Payment Frequency : D -- M -- M -- M XXXX Credit Limit : .. {$1000.00} .. {$1000.00} .. {$1000.00}.. 
XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX? 
XXXXXXXX XXXX 
XXXX XXXX XXXX : XXXX {$180.00} XXXX {$180.00} XXXX {$500.00} XXXX XXXX Last Verified : XXXX XX/XX/XXXX.. 
XXXX XXXX XXXX XXXX XXXXXXXX Date of Last Activity : D XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date Opened : XXXX XX/XX/XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX Page XXXX of XXXX XXXX Balance Owed : .. {$0.00}.. 
{$0.00}.. 
{$0.00}.. 
XXXX Closed Date : D XXXX .. -- M -- M XXXX Account Rating :.. Paid.. 
Paid.. 
Paid.. 
XXXX, XXXX, XXXX Account Individual.. Individual.. Individual.. Description :.. 
XXXX Dispute Status : .. Account not disputed.. 
Account not disputed.. 
Account not disputed.. 
- Creditor Type : XXXX Bank XXXX Retail, Not Elsewhere Classified XXXX Personal Loan Companies XXXX XXXX Account Status : .. Closed.. 
Closed.. 
Closed.. 
XXXX Payment Status : .. XXXX .. XXXX .. XXXX.. 
XXXX Creditor Remarks : XXXX Canceled by XXXX XXXX XXXX Account has been closed due to inactivity. 
XXXX Closed or paid account/zero balance Accounts closed by XXXX XXXX XXXX XXXX Payment Amount : .. {$0.00} .. {$0.00} .. {$0.00}.. 
XXXX Last Payment : D XX/XX/XXXX I XX/XX/XXXX I XX/XX/XXXX XXXX XXXX Term Length : D -- M -- M -- M XXXX Past Due Amount : Q {$0.00}.. 
{$0.00}.. 
{$0.00}.. 
XXXX Account Type : Q Charge account Q Charge account XXXX XXXX XXXX XXXXXXXX Payment Frequency : D -- M -- M -- M XXXX Credit Limit : XXXX {$500.00} .. {$500.00} .. -- M XXXX Two-Year payment history XXXX Experian XXXX XXXX XXXX ALLEGED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Note this is a discontinuance of reporting request. Please attest by document demonstration the confirmation of the above claims certitude of all facts alleged to have been physically verified and validated even to every notation, all dates and balances, any compliance condition code ( s ), and or any aspect ( s ) for any necessary metro 2 compliance segment and field ( s ). This claim as reported, as displayed hints to at least the following compliance-based issues. 
XXXX Last Verified : XXXX deviates from the Standard ( s ) of lawful reporting XXXX Date of Last Activity : D deviates from the Standard ( s ) of lawful reporting XXXX Last Verified : XXXX deviates from the Standard ( s ) of lawful reporting ***************************************************************************************************** Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==> XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Experian XXXX XXXX Account # : XXXX XXXX XXXX? XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Q? I Page XXXX of XXXX XXXX High Balance : XXXX {$6300.00} XXXX {$6300.00} XXXX {$5300.00} XXXX XXXX Last Verified : XXXX XX/XX/XXXX.. 
-- M -- M XXXX Date of Last Activity : D XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date Opened : XXXX XX/XX/XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : .. {$0.00}.. 
{$0.00}.. 
{$0.00}.. 
XXXX Closed Date : D XXXX .. -- M -- M XXXX Account Rating :.. Paid.. 
Paid.. 
Paid.. 
XXXX, XXXX, XXXX Account Individual.. Individual.. Individual.. Description :.. 
XXXX Dispute Status : .. Account not disputed.. 
Account not disputed.. 
Account not disputed.. 
- Creditor Type : D Finance/Personal XXXX All Banks XXXX Sales Financing XXXX XXXX Account Status : .. Closed.. 
Closed.. 
Closed.. 
XXXX Payment Status : .. XXXX .. XXXX .. XXXX.. 
XXXX Creditor Remarks : XXXX Canceled by XXXX XXXX XXXX Account has been closed due to inactivity. 
XXXX Closed or paid account/zero balance Accounts closed by XXXX XXXX XXXX XXXX Payment Amount : .. {$0.00} .. {$0.00} .. {$0.00}.. 
XXXX Last Payment : D XX/XX/XXXX I XX/XX/XXXX I XX/XX/XXXX XXXX XXXX Term Length : D -- M -- M -- M XXXX Past Due Amount : Q {$0.00}.. 
{$0.00}.. 
{$0.00}.. 
XXXX Account Type : Q Charge account Q Charge account Q -- M XXXX Payment Frequency : D -- M -- M -- M XXXX Credit Limit : XXXX {$5300.00} .. {$5300.00} .. -- M XXXX Two-Year payment history XXXX Experian XXXX XXXX XXXX ALLEGED XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Note this is a discontinuance of reporting request. Please attest by document demonstration the confirmation of the above claims certitude of all facts alleged to have been physically verified and validated even to every notation, all dates and balances, any compliance condition code ( s ), and or any aspect ( s ) for any necessary metro 2 compliance segment and field ( s ). This claim as reported, as displayed hints to at least the following compliance-based issues. 
XXXX Date Reported : XXXX deviates from the Standard ( XXXX ) of lawful reporting XXXX Date Opened : XXXX deviates from the Standard ( XXXX ) of lawful reporting XXXX Payment Frequency : D deviates from the Standard ( XXXX ) of lawful reporting ***************************************************************************************************** As currently reported, any and all included indicated contested item ( s ) within this official written consumer complaint contesting your conditional privilege to XXXX XXXX, XXXX too many inconsistencies and or deficiencies for me ( NOR ANYONE for that matter ) to ascertain its legitimacy and I demand PHYSICALLY VERIFIABLE Page 7 of 9 DOCUMENTED EVIDENCE of absolute VALIDITY of claim and ADDITIONALLY I enact my consumer right ( s ) to call for a FULL CHECK for true, correct, and complete COMPLIANT REPORTING and I here now declare in CHALLENGE rejecting your reporting if the FACTUAL CERTIFICATION is not substantiated and or is MISSING and or DEFICIENT. Let me remind you that at maximum you have 5 calendar days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul any and all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, Metro 2 Format Compliance, or else whether mentioned or not ) claims or aspects of claims associated. Per FCRA all claims SHALL BE OF A MAXIMUM POSSIBLE ACCURACY and of a MAXIMUM POSSIBLE COMPLETION, and for any specific account type the regulation states exactly that furnishers are governed by the FURNISHER RULE ( Regulation V promulgated by the CFPB under the FCRA ), which requires furnishers to : ( 1 ) furnish information that is accurate and complete, and ( 2 ) investigate consumer disputes about the accuracy of information they provide. Per XXXX, any claim of lawful reporting must adhere to the certifiably compliant standards of the Metro 2 format, the minimal universally applicable requisite standards include at least the following Metro 2 Compliant Segments and Fields and potentially significantly more depending on a claims reporters Industry type and or applicable circumstances, be them mentioned here or not. Of those, included are XXXX Activity Date, XXXX Date XXXX, XXXX Reporter Name, XXXX Reporter Address, XXXX Consumer Account Number, XXXX Portfolio Type, XXXX Account Type, XXXX Date Opened, XXXX Highest Credit or Original Loan Amount, XXXX Terms Duration, XXXX Account Status, XXXX Payment History Profile, XXXX Current Balance, XXXX Date of Account Information, XXXX ( if applies ) FCRA Compliance/ Date of First Delinquency, XXXX ( XXXX applies ) Date Closed, XXXX ( if applies ) Date of Last Payment, XXXX Surname, XXXX First Name, XXXX Social Security Number, XXXX Date of Birth, XXXX ECOA Code ( aka XXXX Code ), XXXX First Line of Address, XXXX City, XXXX STATE, XXXX Postal/Zip Code, and XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX and XXXX and XXXX EACH OF WHICH is a UNIVERSALLY REQUIRED REPORTED DATA, and per XXXX XXXX XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data therefore any omissions and or inconsistencies and or inaccuracies related to the mandatory STANDARD of reporting claims asserts potentially unconfirmed claims can not truly be of a federally regulated requisite of being with a MAXIMUM POSSIBLE ACCURACY and COMPLETION! Any continued reporting of claims contested despite potential deficiencies of this requisite perfect standard of reporting goes to demonstrate your willful if not in ignorance non-compliance and unlawful disregard of my consumer rights. I here now denounce your privilege to report versus me in an injurious manner not confirmed ( confirmable ) to be ethical and of adequate regulations and or standards of certified compliant reporting. 
Professionally and In Genuine Sincerity I close, My Name is : XXXX XXXX *Note any potentially included documents for support of my notice including any submitted images of personal identifier proofs! 
Page 8 of 9 Page 9 of 9

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