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 : I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. If you are not able to do so, then I will need to pursue legal action. 

XXXX XXXX XXXX XXXX Experian Experian Account # : XXXX Account Description : Individual Account Rating : Collection Or ChargeOff Account Status : Closed Account Type : Revolving Balance Owed : {$0.00} Closed Date XXXX XXXX Credit Limit : XXXX Creditor Remarks : ACCOUNT CLOSED AT XXXX XXXX XXXX XXXX Creditor Type : Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : XXXX Last Payment : XXXX  Last Verified : XXXX Past Due Amount : -- Payment Amount XXXX XXXX Payment Frequency XXXX XXXX Payment Status : CollectionOrChargeOff Term Length XXXX XXXX Loan Type : CreditCard Your information is outdated and does not meet the accuracy standards we require. If it is not updated immediately, legal action may be necessary. We value accuracy in our databases and credit reports, so please delete this information immediately. 

XXXX, XXXX Experian Experian Account # : XXXX Account Description : Individual Account Rating : As Agreed Account Status : Closed Account Type : Installment Balance Owed : {$0.00} Closed Date : XXXX  Credit Limit XXXX XXXX Creditor Remarks XXXX XXXX  Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$50.00} Last Payment XXXX XXXX  Last Verified : XXXX Past Due Amount XXXX XXXX Payment Amount XXXX XXXX Payment Frequency XXXX XXXX Payment Status : As Agreed Term Length : XXXX Loan Type : Unsecured I am writing to bring to your attention an issue regarding the account named XXXX, XXXX, associated with the account number XXXX. It has come to my attention that the said account is inaccurately reporting late payments for the year XXXX, specifically in the month of XXXX, on my credit report. I want a thorough review of this account, followed by an appropriate update to reflect the correct status as never late and paid as agreed. Additionally, may I request that you furnish me with the information and documents used to verify the accuracy of this account.

Regards According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! 
XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am sending this complaint to the following agencies as well XXXX XXXX XXXX XXXX XXXX Clarity XXXX XXXXXXXX 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