Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: IL
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:
Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDER-AL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethi-cal resolutions and awards of at least XXXX XXXXXXXX per still unproven, untrue, inaccurate, untimely, in-complete, or else wise not compliant item reported that is hereby now being challenged in writ com-position. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT! 
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted XXXX character XXXX state-ments as well as all of the applicable and requisite trailing fragments, the minimally mandated XXXX ( XXXX ) portioned personal identifiers, every and XXXX of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced XXXX pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tal-lied total and invoices from which they were derived, the documented legal and current color pho-tographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applica-ble, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIAL-LY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ com-posed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFI-CIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefuta-ble compliant obligatory and regulatory requisite compliant reporting thereby mandating your im-mediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or return-ing to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet un-proven to be true, correct, complete, timely, documented as being mine, testimonial to be of my re-sponsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT report-ing.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testi-monial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your con-sumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only AC-CURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consum-er credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, Experian, XXXX and XXXX, their affiliates or XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also pro-vides for XXXX to send " out-of- cycle '' credit history updates to CRAs. The system primarily sup-ports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code man-agement and reporting. 
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a report-ing relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity re-porting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late in-stallments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is other-wise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as RE-QUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN de-rogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawful-ly within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my of-ficial writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or AD-VERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else :

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