Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
RE : EXPERIANS VIOLATION OF MY RIGHTS UNDER FCRA! 


Dear CFPB or To Whom It May Concern, I am writing this complaint to CFPB about 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 Experian has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately, accuratley and ONLY undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized XXXX 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 against me satisfying at least the minimal criteria to satisfy the federal and my state 's applicable regulatory mandates for reporting. This means it needs to be reported to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBIE COMPLETENESS! NEITHER OF WHICH HAS EXPERIAN DONE as you will see further down in this letter. 

Experian either fails to report fairly and to their own industry 's established mandatorily utilized XXXX Compliant standards thereby giving me legitimate concerns that the negative information portrayed by the company is either ( 1 ) 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 against 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 the aforementioned maximum possible accuracy and completeness. 

My concern is that Experian 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 it plain as day states : " ANY DEVIATION FROM THESE STANDARDS ( XXXX ) 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 deemed legitimate, giving me the RIGHT I've exercised to CONTEST that Experian 's inadequately asserted, but very conditional PRIVILEGE, to report information provably against 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 Experian, for them to demonstrate document proof confirming the information alleged against me on my consumer report, 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 against 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 against me with antipodal antithesis, in my opinion, unjustly even hence my here and 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 documented proof of Experians adherence to reporting pertinence as is required of them has not been satisfied even to this date thereby forcing my hand to request the CFPBs authoritative intervention prior to my request and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the Experian 's reporting behaviors, regulated by law! 

Please act now to have 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 the accounts mentioned below to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the Experian in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied against me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors! 

XXXX - XXXX, - Last activity date doesn't match. Date opened is wrong. The high balance doesn't match across all three bureaus. This is inacurate. Delete the account from my credit report immediately. 
XXXX XXXX - XXXX - I WAS NEVER LATE ON THIS ACCOUNT. I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report, per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan. 
XXXX XXXX XXXX - XXXX - I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission toUnited XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
XXXX XXXX XXXX - XXXX - I WAS NEVER LATE ON THIS ACCOUNT. I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report, per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan. 
XXXX XXXX - XXXX - XXXX steps did you take to find the information you have provided? The date of last activity doesn't match. The original creditor does not match across all three bureaus. The creditor type doesn't match. I do not believe this is my account. Please provide your method of valdiation. 
XXXX XXXX XXXX XXXX XXXX - XXXX - I was never late on this at all - DELETE THIS NOW! I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report, per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan. 
XXXX XXXX XXXX - XXXX - The date opened on this account does not match the other bureause. There can not be a past due balance on a charged off account. The date of last activity does not match. Delete this inaccurate account from my report. 
XXXX XXXX XXXX - XXXX - This is not mine! I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS. '' The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Therefore, I demand that you delete the above inaccuracies from my consumer report, this agency is in violation of 15 USC 1681!

Please provide documented proof that these accounts were verified or delete and/or update them immediately as I have previously requested multiple times! 



Thank you for your assistance in this urgent matter, XXXX XXXX XXXX of ID attached once again. 

Experian- do not send a computer generated BS letter again! I want PROOF OF THE ALLEGED ITEMS OR DELETION OF THE ALLEGED ITEMS REPORTING NEGATIVELY AGAINST ME PER MY FCRA 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