Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: DE
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:
Experian has violated my rights under the FCRA. I asked experian to conduct an investigation into multiple accounts to ensure its accuracy. they concluded their alledged investigation without removing accounts that are not accurately reporting. I demand the deletion of said accounts: 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt has come to my attention that the reported Account Type XXXX, Account Type Details, Bureau Code,Payment Status XXXXXXXX High Credit XXXX, Monthly Payment XXXX No. of Months (terms) XXXX, Last Reported, Date Last Active (XXXXXXXX XXXX XXXX Year History across all bureaus may not meet the required reporting standards and decorum. Therefore, I am writing to request an explanation regarding the discrepancies observed in your account, which appear to be inconsistent with the established reporting guidelines at XXXX  XXXX XXXX XXXX XXXX XXXX

It has been brought to our attention that the Account Type Details, Bureau Code, Monthly Payment (XXXX, No. of Months (terms) XXXX, Last Reported & Date Last Active XXXX reported is displaying inconsistencies among the three credit reporting agencies. As you are aware, adherence to XXXX XXXX  standards is of utmost importance to ensure precise and reliable data reporting. Any deviation from these mandatory fields would compromise the integrity of all reported information. Upon reviewing this account, the observed inaccuracies raise doubts about the credibility of the entire account. Therefore, we kindly request your attention to rectify the reported discrepancies promptly. XXXX XXXX XXXX XXXX

The account associated with the name XXXX XXXX and the corresponding XXXX XXXX XXXX, as indicated in my report, lacks substantiated evidence of its validity, accuracy,completeness, and compliance with certified reporting standards. It is important to acknowledge the fact that the XXXX (XXXX XXXX XXXX XXXX) itself has either implied or explicitly stated that any deviation
from the law or established credit reporting industry standards renders a claim deficient. Consequently, it is imperative to remove any and all such claims from reporting, with the condition that they can only be reintroduced if they can be proven to be lawfully compliant with all requirements for legitimate reporting. This action is necessary, irrespective of any apparent misapplication, willful ignorance, or reckless negligence on
your part regarding your reporting practices and claims. It is essential to take note of any deviations, including but not limited to the following issues, as sufficient grounds for the appropriate elimination of the claim's reportability.

We would like to bring to your attention that the Account Type (XXXX), Account Type Details, Bureau Code, Payment Status XXXX), High Credit XXXX, Monthly Payment XXXX, No. of Months (terms) XXXX Last Reported, Date Last Active XXXX XXXX XXXX Year History may suggest a failure to meet established reporting standards or decorum. Upon review of the information reported, it has become apparent
that there are deviations from the required industry standards, which may result in inaccurate data. We would like to remind you of the paramount importance of complying with XXXX XXXX guidelines and ensuring that all fields are accurately and completely filled out before adding anything to our credit profile. We kindly request
that you take appropriate corrective measures to rectify this issue and avoid any potential negative impact on our credit standing. Thank you for your attention to this matter

XXXX XXXX XXXX

 kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you
could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. If it is not too much trouble, could you also please take a moment to review the attached image, which highlights some additional areas of concern regarding my XXXX XXXX XXXX Your assistance in resolving these issues would be greatly appreciated. We would like to bring to your attention that the reported Account Type XXXX, Account Type Details,
Bureau Code, Payment Status XXXX  High Credit XXXX, Balance XXXX Monthly Payment XXXX No. of Months (terms) XXXX Date Last Active XXXX XXXX XXXX  Year History appears to be inconsistent across the three credit reporting agencies. It is crucial to adhere to the XXXX XXXX  standards to ensure precise data reporting. Any deviation from these mandatory fields would jeopardize the integrity of all reported
information. Therefore, we urge you to take swift action to address the apparent inaccuracies as it calls into question the entire account. Your cooperation in this matter is highly appreciated.

XXXX XXXX XXXX

It has come to my attention that the reported Account Type XXXX, Account Type Details, Bureau Code, Payment Status XXXX, Credit Limit XXXX High Credit (XXXX, No. of Months (terms) XXXX XXXXast Reported, Date Last Active XXXX XXXX XXXX Year History across all bureaus does not meet the requisite standards with regard to reporting requirements and decorum. I am reaching out to request an explanation for
the discrepancies observed in your account's reported information, which appears to be inaccurate or inconsistent with the established XXXX reporting standards. I would appreciate prompt and immediate resolution of these issues to ensure compliance with the mandated guidelines. Thank you for your attention to this matter. XXXX XXXX XXXX XXXX XXXX

I respectfully request that any detrimental aspects related to the allegations made against me be expunged from my credit report. The specific item in question is XXXX XXXX XXXX XXXX XXXX. I hold the belief that this item may have been reported unjustly, lacking the necessary authentication, or even in violation of the law.
It is my understanding that the law requires the expunction of the accusations of late payments associated with this item. Thus, I request that such allegations be deleted from my credit report promptly. I would like to draw your attention to an Account Type XXXX, Account Type Details, Bureau Code, Payment Status XXXX, Credit Limit XXXX Monthly Payment XXXX, No. of Months (terms) XXXX, Last Reported, Date Last Active XXXX XXXX XXXX XXXXear History that has been identified in the report. It
appears that the data pertaining to this account may be inaccurate or inconsistent with the established reporting standards of the XXXX I kindly request that you thoroughly review the information once again, ensuring its validity, accuracy, completeness (within the given timeframe), verification, and compliance with all necessary requirements. If, upon reevaluation, the data does not meet these criteria, I respectfully request
that my profile be removed.


XXXX XXXX XXXX

I hereby bring to your attention the matter concerning the data pertaining to XXXX XXXX XXXX. It is imperative to acknowledge that the aforementioned data has not undergone any certification process to validate its adherence to established reporting standards. Consequently, it cannot be guaranteed that the included information is accurate, current, or comprehensive in nature. Moreover, it is essential to recognize
that this data may be incomplete, outdated, or lacking in proper support. In light of these circumstances, I kindly request the removal of any inaccurate or unsupported content from the aforementioned page. We would like to inform you that the reporting of Account Type XXXX  Account Type Details, Account Status XXXX Bureau Code, Payment Status XXXX, No. of Months (terms) XXXX  Last Reported & Date Last Active XXXX  does not meet the necessary standards for reporting, as mandated by
regulatory bodies.

I am writing to bring to your attention the following details pertaining to XXXX XXXX XXXX XXXX XXXX It is important to note that the aforementioned data has not undergone certification to comply with any reporting standards. Consequently, we cannot assure its accuracy, currency, or comprehensiveness. Moreover, it is pertinent to highlight that this information may be incomplete, outdated, or lacking support. Therefore, I kindly request the removal of any erroneous or unsupported content from this page. I hereby submit this document to express my apprehensions regarding the adequacy of your reporting, as it fails to meet my standards and remains incomplete. As stipulated by legal obligations, both yourself and the data furnishers bear the responsibility of certifying all facets encompassing the mandatory Fair Credit
Reporting Act (FCRA) and XXXX XXXX  compliance. It is imperative that such certification is conducted with utmost adherence to truthfulness, accuracy, comprehensiveness, and timeliness, in order to prevent any inadvertent
infringement upon my consumer and civil 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