Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct and Current, & verified information and I request that any deficiently reporting information be released and dismissed at once15 USC 1666b Correction of Billing Error. The late payment is showing for XXXX XXXX XXXXXXXX My personal identifying information above is without a doubt Current, True, and Verifiable! Anything that deviated from this that you have on my credit report is not true accurate reporting and I formally requesting for immediate removal. Please REMOVE ANY OTHER PERSONAL IDENTIFIERS that are not Factually True as I have noted above. Just as I have noted above is most pertinent and you must Authenticate that your correct to report deficient and erroneously of evident compliance of factual reporting particularly in relationship to mandatory the correct and perfect PROCESSES of lawful reporting and the obligatory complete correct METRO 2 Formatted compliance of reporting standards. These are integral of REPORTING, NOT OPTIONS of lawful reporting so please release to me all undeniable documented & certified proof of your claims, the claims reporting processes and formatted nature of the complaint and STOP REPORTING THESE CLAIMS, be it true or not. 
I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it due to potentially erroneous and or misleading claims/data or be it due to UNVERIFIABLE or INVALIDATE and or not CERTIFIABLY COMPLIANT REPORTED claims REGARDLESS of circumstances else wise. Reporting engrossments and standards of appropriate reporting are MANDATES NOT OPTIONS of reporting, even correct true claims NOT reported precisely according to engrossment of certifiable compliant reporting PROCESS and or FORMAT ( METRO 2 DATA FIELD FORMATTED reporting 's ) are DEFICIENT of report-ability if not ABSOLUTELY documented and provable Undoubtedly any purported reporting data furnisher would be required to at the very least be able to authenticate my complete file of information exactly as I have indicated in this letter and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PREMARITALLY! 

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) and the understood STANDARDS of acceptable lawful COMPLIANT REPORTING STANDARDS such as the METRO 2 Five Points of Compliance and other potentially applicable standards and or regulatory engrossments of reporting, I am rendering this official writ consumer CHECK OF COMPLIANT REPORTING and CHALLENGE versus any and all insufficient reporting and ineptitude to sufficiently document factual reporting verifiability of validness, authenticity, accuracy, ownership of responsibility, completeness, and or certifiability of the mandated compliant Procedure of REPORTING and mandatorily perfect complete certifiable METRO 2 FORMAT compliance of reporting standard ( s ). I do not recognize the information listed below as having ever been demonstrated to be factual in solidity much less certified compliantly reported in the mandatory processes of reporting and with factual, accurate, and completely certified ordered format of the METRO 2 COMPLIANCE STANDARD of reporting standard ( s ).

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