Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed. I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose.

Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing. 

XXXX XXXX Experian Experian Account # : XXXX Account Description : Individual Account Rating : Collection Or ChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : -- Creditor Remarks : -- Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$4900.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : Collection Or ChargeOff Term Length : XXXX Loan Type : Secured The content mentioned above was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. 

XXXX XXXX XXXX 
Experian Experian Account # : XXXX Account Description : Individual Account Rating : Collection Or ChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : -- Creditor Remarks : -- Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$1000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : XXXX Loan Type : Secured The information provided above has not been certified to meet any reporting standards. The data is not complete, accurate, or up-to-date, and no evidence has been supplied to confirm compliance with any consumer protection laws. I demand that this information be deleted immediately. 
XXXX XXXX XXXX Experian Experian Account # : XXXX XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : -- Creditor Remarks : -- Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$500.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : XXXX Loan Type : Unsecured The content mentioned above has never been certified to meet reporting standards. The data provided has never been proven to be accurate, complete, or up to date. In order to comply with any consumer legislation, documentation confirming compliance is required. The information supplied is insufficient and I demand that any wrong, incomplete, or unsupported material be deleted. 
XXXX Experian Experian Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : -- Creditor Remarks : -- Creditor Type : Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$3000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : XXXX Loan Type : Unsecured The above-mentioned content was never certified to be in conformity with reporting standards. 
The preceding data was never proven to be exact, complete, up to date, or validated! 
Documentation confirming compliance with reporting obligations and any consumer legislation is required. The information supplied above is insufficient. I demand that any wrong, incomplete, or unsupported material be deleted! 
XXXX XXXX XXXX. 
Experian Experian Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : -- Credit Limit : -- Creditor Remarks : -- Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$10000.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : XXXX Loan Type : Unsecured The information provided above has not been certified to meet any reporting standards, and may be inaccurate or incomplete. I request that any wrong or unsupported information be deleted from this document. 
Sincerely You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am sending this complaint to the following agencies as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I am attaching a copy of this letter below and will keep it for communication reference should this matter not be looked into and resolved appropriately, I will present this letter in court as proof of communication