Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and I am the author of this complaint. There are no additional parties involved in either the creation of this complaint, nor its contents. 

This is not a Validation of Debt Request- please don't reply with such details/attachments. Please do not dismiss this as such. 

Doing so is traceable and discoverable. 

Know- this is systematic, impacting a class of consumers. All of your accounts are a part of this dispute, and are in the same exact state. Please do not dismiss this as one - tradeline issue. 

First things first - I hereby dispute the FCRA date, and on all of your reported records on my consumer reports. Where XXXX - reports- the dates are inaccurate, and - can not match. 

XXXX - XXXX are included in this complaint. 

Separately and along with XXXX. 

XXXX XXXX, XXXX ( XXXX ) is a Debt Collector. XXXX is not a Creditor/Credit Grantor, either by practice or by law. There is a clear delineation of these two types of entities. 

Know and understand, I know- the same issues exist with XXXX, XXXX, etc. 

FTC - Legal Definition is found within the link below, and pasted for your convenience. Section 803-4,6 https : //www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text Understanding the separation, there are innate responsibilities a Creditor/Credit Grantor, or Debt Collector has in furnishing their data and to any CRA. 

There are also innate responsibilities of a CRA, where a system or their system is the gate keeper. Same way a system allows a Police Department to report a Parking Ticket - an Insurance company ( has the same access to a driver abstract ) can never report a DUI. They can however, only report that their Insurance contract with the driver- has expired. That's it.

All CRAs require consumer credit data to be submitted in ONE file format. That Format, is Metro2 ( CDIA ), links below - specifically direct DFs to publish files to a CRA in this format. 

XXXX XXXX XXXX https : //www.experian.com/consumer-information/reporting-to-credit-agencies https : XXXX XXXX FormatRequirements Experian goes a step further - demonstrating how a Collection, then, must report. Here is a link to Experian 's site ( no worries I save it/tech traceable ). 

Section is COLLECTIONS https : //www.experian.com/blogs/ask-experian/credit-education/report-basics/understanding-your-experian-credit-report/ # s3 The fields - demonstrated in Experians own descriptive of a Collection Account, can be mapped to the METRO2 Tech spec, where and when published by a Debt Collector that is in compliance. 

The tradeline XXXX is reporting - and, then how its reporting, can not. 

The Metro2 File Specification, is called the Credit Reporting Resource Guide. I have attached - the Directives ( file specification ), from this guide that governs your data furnishing/reporting responsibilities, and as a Debt Collector.

10.1 A Debt Collector leverages the same Portfolio Type - as a Creditor/Credit Grantor ( see Metro2 tech file spec and as attached ) The Portfolio Type is = Other Debt Collectors however, are limited to about 19 fields for a Consumers record XXXX - Routinely, sends more than what is allowed by Metro2 PRAs Additional Data, Portfolio Type and repetition, create a false, misleading and fraudulent tradeline Terms, are never allowed by a Debt Collector on a Metro2 compliant file XXXX, is sending MONTHLY ( again ) their tradeline with Payment History, Ratings, Bal History, Terms ( Experian as a gatekeeper is ALLOWING ) A Debt Collector, is never allowed on a Metro2 compliant file, to send Pay Rating, Pay History, Balance History - Terms ect- It is not allowed on a Metro2 compliant File Experian is allowing it by XXXX - and other DC 's to report erroneous, impactful fraudulent data to anchor a consumers credit scores- to heck. 

It is not legally possible, to have terms, pay rating, history, balance history and with a Debt Collector. 

XXXX is sending ( G ) Collection, every month, along with Balance History that can never legally and technically, apply XXXX is publishing this, and - Experian is allowing this XXXX consumer reporting, results in their records establishing accounts as creditors, when its never ever possible to have this relationship with them I have tradelines where Creditors - exist, and in this state. 

A Bank/Creditor is never the same as XXXXDebt Collector XXXX and as per Metro2. 

The impact to a consumer score- is known. 

Collections naturally age off on impact to consumer scores XXXX has anchored itself, to prevent any natural progression - ever, and while they reside on a consumers file XXXX tradeline is fraudulent, mimics a creditor and is knowingly published, monthly and to all CRAs FCRA - FDCPA, and other elements of governing law, prohibit your reporting, tactics and impacts to the consumer. 

I forgot - I build interfaces regularly, and understand technical specs === plus i just love the data. 


Delete your fraudulent tradeline - know, if you delete it again - there are rules expected when you try to reinsert it. 

You all in cahoots

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