Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It is my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolutions via court in my jurisdiction. 
Drawing from my research and complete comprehension YOU nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha -/numeric-/ and or alphanumeric source codes.

Further certificate firmly every single one even each any and or all or minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. 
The FOLLOWING derogatory accounts allegations are either UNTURE, INCORRECT, INCOMPLETE, UNTIMELY, UNAWARE OF, NOT MY RESPONSIBILTY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed IMMEDIATELY, do so TODAY, even right NOW! The obvious infractions are listed below : XXXX XXXX : Account number : XXXX, How did you verify this account. 
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 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 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 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 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 Charge-off {$2200.00} COMPLIANCE EXPLANATION APPROACH : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. " Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total 426 CHRC, P6 statement, identifier, and all 386 PCS of confirmation, notes etc. '' As you are aware, Federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % corrections, 100 % completeness, 100 % timeless and 100 % in compliance otherwise every single item even each or all of the related regulations, mentioned or that if any or each item being reported is challenged for its legal report ability in which case and I am doing such, I demand as my legal rights allows that you follow the mandated as required by Data Furnisher to demonstrate in unabridged sufficiency of the facts exactly as composed and relayed to you. This includes substantial display of all law requisites such as proof of documented identity of the individual alleged as having ownership or proven responsibility of alleged accounts which are still unfounded claims in my report.

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 non-monetary relief