Consumer complaint received 2024-08-11
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 contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of XXXX XXXX data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and XXXX XXXX format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX - XXXX Experian Experian 2 Year Payment History 30 XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Open Account Type : XXXX Revolving Balance Owed : XXXX {$540.00} Credit Limit : XXXX {$500.00} Creditor Remarks : XXXX - Creditor Type : XXXX Credit Card Date Opened : XXXX XX/XX/2024 Date Reported : - XX/XX/2024 Date of Last Activity : XXXX XX/XX/2024 High Balance : XXXX {$560.00} Last Payment : XXXX XX/XX/2024 Past Due Amount : XXXX {$16.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Late 30 Days Term Length : XXXX XXXX Summary of Accounts being challenged in list form XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX - XXXX XXXX XXXX 2 Year Payment History XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Open Account Type : XXXX Revolving Balance Owed : XXXX {$540.00} Credit Limit : XXXX {$500.00} Creditor Remarks : XXXX - Creditor Type : - Credit Card Date Opened : XXXX XX/XX/2024 Date Reported : - XX/XX/2024 Date of Last Activity : XXXX XX/XX/2024 High Balance : XXXX {$560.00} Last Payment : XXXX XX/XX/2024 Past Due Amount : XXXX {$16.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Late 30 Days Term Length : XXXX XXXX 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 inaccurate, unverifiable, and fraudulent : 30-Day Late Notation for XX/XX/2024, be deleted and removed expeditiously. 
Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Viewing Date Opened ( XXXX ) demonstrating XX/XX/2024. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements? 
When I scrutinized Payment Status ( XXXX ) presenting Late 30 Days. The only thing that's more important than compliance is accuracy! Prove to me your information for this account has been fully vetted and meets all of federal law. I need you show proof or explain how it complies with XXXX XXXX standards When I scrutinized Date of Last Activity ( XXXX ) presenting XX/XX/2024. The information reported doesn't seem to meet the standards set by XXXX XXXX guidelines. You must make sure all fields are filled out correctly and in 100 % compliances prior adding anything onto my credit profile! Please remove this record of inaccurate, unverifiable, and fraudulent : 30-Day Late Notation for XX/XX/2024, from my report or provide proof of your compliance with applicable standards. 
In appreciation 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 FCRAXXXX XXXX XXXX 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, FTC and my Attorney General. 
XXXX XXXX XXXX XXXX Please send your written response to my address of 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. Your failure to comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards has caused significant harm to my creditworthiness and personal finances. I urge you to take immediate corrective action to avoid further legal repercussions. 
Statutory Violations and Legal Grounds I have identified multiple violations of the FCRA and other relevant statutes in your reporting practices. These include, but are not limited to : 1. 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) : You have willfully failed to comply with the requirements imposed under this subchapter. This includes, but is not limited to, providing inaccurate information and failing to correct or delete unverifiable information. 
o Civil Liability : You are liable for any actual damages sustained by the consumer or damages of not less than {$100.00} and not more than {$1000.00}, punitive damages, and the costs of the action together with reasonable attorneys fees. 
2. 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ) : Your negligent noncompliance with the FCRA provisions has caused substantial harm to my credit score and financial standing.

o Civil Liability : Liability for actual damages sustained by the consumer as a result of your failure.

3. 15 U.S. Code 1692k ( Civil Liability for Debt Collection Practices ) : Your actions constitute a breach of this statute, further compounding the legal violations in your reporting practices. 
4. 15 U.S. Code 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) : o Duty to Provide Accurate Information : Reporting information with actual knowledge of errors.

o Duty to Correct and Update Information : Ensuring that all reported information is accurate, complete, and up-to-date.

Specific Violations on My Consumer Report The following late payments reported by XXXX are inaccurate, unverifiable, and fraudulent : 30-Day Late Notation for XX/XX/2024.