Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To whom it might concern I am writing to DISPUTE the following memorandums that your company supplied to one or more Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, required adhering of Federal and state reporting laws and or proficiency in your docious adhering to the mandatorily adhered to credit reporting industrys necessary formalities namely the CDIAs own CRRG-detailed XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofconsanguineal conclusions that may else better ensure integrity of averments made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which might have NOT been satisfied or suitably maintained. I further, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably obeyant reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are sure competent to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. 

INDUSTRY REPORTING STANDARDS ( per CRRG2-2 ) : Page 1 of 8 Per the CDIAs own 2020 CRRG2-2, An Industry standard for reporting consumer accounts WILL ENSURE THE INTEGRITY AND CONSISTENCY of reported data. This MANDATORILY UTILIZED STANDARD includes but is NOT LIMITED to requirements that ALL ACCOUNTS be reported AT LEAST once MONTHLY, the FINAL ACCOUNT STATUS CODE MUST BE REPORTED if and when an account is PAID OR CLOSED with a XXXX balance. CYCLIC REPORTING must occur at cycles close, etc .... 
ACCURACY AND INTEGRITY DEFINITIONS ( per CRRG and 2010 FACT ACT ) : Per the CDIAs own 2020 CRRG, the 2010 FACT Act Data Furnisher Rules define the term Accuracy to mean t h a t files that a furnisher provides to a consumer reporting agency about an account OR other relationship with the consumer correctly ( 1 ) Reflects the terms of AND liability for the account or other relationship, ( 2 ) Reflects the consumers performance and other conduct with respect to the account o r other relationship, ( 3 ) Identifies the appropriate consumer .....

The following data is suspect to be in deviation of requirements for fair and accurate reported and I require that ANY and all negativity ( ies ) related to be terminated immediately, permanently and completely or else proven absolute and passable in writing :? = XXXX XXXX XXXX XXXX XXXX XXXX XXXXy From Reporting or MODIFY as necessary ANY Wrong And Injurious aspect of your accusations XXXX XXXX XXXXXXXX -- -- Closed NEGATIVE Other/Unknown Accounts CHARGEOFF/COLLECTION-related accounts XXXXXXXX XXXX XXXX XXXX is QUESTIONABLE in its reporting Data Point is INCONSISTENTLY reported across displayed bureaus, an infraction of the XXXX point of XXXX XXXX XXXX points of compliance! 
Data Point is MISSING and or is DEFICIENTLY reported as compared to what is most likely information that SHOULD OF BEEN adequately reported! 
XXXX XXXX is else wise UNPROVEN, as reported! Undocumented claims can NOT be assumed valid nor compliantly reported! 
XXXX Experian XXXX XXXX XXXX Reporter XXXX XXXX XXXX .. .. Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Street Address D XXXX Data Reporter City, XXXX, CA, XXXX .. State XXXX and Postal Zip Code D XXXX Data Reporter XXXX .. Telephone Number XXXX XXXX  Data Reporter XXXX.. Identification Number XXXX XXXX Item 's XXXX .. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX  Account Name XXXX .. -- -- -- -- Number :.. 
XXXX Account Cycle -- M Identifier : XXXX XXXX XXXX XXXX XXXX XXXX  Date Account XX/XX/XXXX .. -- -- -- -- Reported :.. 
XXXX XXXX XXXX ( Account XXXX ) :.. 
Credit Card.. 
-- -- -- -- XXXX Account Type : .. Credit Card XXXX XXXX -- -- -- XXXX Account Current {$550.00} .. Balance :.. 
-- -- -- XXXX XXXX Date of Account XX/XX/XXXX .. -- -- -- -- Balance :.. 
XXXX Scheduled Monthly -- M Payment Amount : U -- -- -- -- XXXX Account Terms -- M -- -- -- -- Frequency : U XXXX Account Terms -- M Length : U -- -- -- -- XXXX Credit Limit : .. {$610.00} .. -- -- -- -- XXXX Account Highest {$610.00} .. Credit :.. 
-- -- -- -- XXXX Date of Last XX/XX/XXXX .. -- -- -- -- Payment :.. 
XXXX Amount of Last Payment -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past Due {$160.00} .. -- -- -- -- Amount : XXXX XXXX Account Derogatory Q Condition : Q -- -- -- -- XXXX Account Credit {$610.00} .. -- -- -- -- Limit :.. 
XXXX Account High {$610.00} .. Balance/Original Balance :.. 
-- -- -- -- XXXX Account 's Date XX/XX/XXXX .. -- -- -- -- Opened :.. 
XXXX Account 's Closed XX/XX/XXXX.. Date :.. 
-- -- -- -- XXXX Creditor Type : .. Miscellaneous Finance .. -- -- -- -- XXXX Original -- M Creditor : U -- -- -- -- XXXX Account Individual .. -- -- -- -- Ownership Type :.. 
XXXX Account Closed.. Status :.. 
-- -- -- -- Page 3 of XXXX XXXX Account Status Derogatory Q -- -- -- -- Information : XXXX XXXX Account Derogatory Q Rating : XXXX XXXX- -- XXXX  Payment Collection/Chargeoff Q -- -- -- -- Status : Q XXXX Payment N/A.. Rating :.. 
XXXX XXXX XXXX XXXX XXXX  Date of Account XX/XX/XXXX .. -- -- -- -- Information :.. 
XXXX XXXX XXXX : XXXX Derogatory Q -- -- -- -- XXXX Account Dispute Account not disputed .. -- -- -- -- Status :.. 
XXXX  Date Last XX/XX/XXXX.. Verified :.. 
Two-Year Payment History XXXX Experian XXXX None Reported None Reported None Reported -- -- -- -- XXXX Creditor Charged off as bad debt -- -- -- -- Remarks : Q Dispute resolved; customer disagrees XXXX XXXX XXXX XXXXXXXX reported with and alleged to be is reported in deficiency of reporting mandates and or protocols therefore the misstatement must be eradicated as is my legally requested resolution, please do so HERE AND NOW! This claim has extolled ailments in at least XXXX or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : On the subject of the item questioned above, reported as Not Reporting for Experian, Derogatory for XXXX XXXX, and as for XXXX and as such is one, each or all in aberrancy from the requisite standard ( s ) and or is not proven much less certifiably compliant to its principal mandates as its relevant and consequential for compliant reporting acquiescence. This field, as reported, is a divergence from the established CDIAs reporting standards and or is evidently reported one or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting proclivity! Clearly, this field asserts that potentially this item of reporting is or is not yet unproven to be an aberrancy at issue with reporting accuracy and or compliance standards. 
In regard to item questioned above, reported as Not Reporting for Experian, XXXX XXXX for XXXX XXXX, and as for XXXX and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin qua non for compliant reporting and as such are one or more apparently deficient of its exigency of reporting sufficiency and or decree ( XXXX )! 
Not Reporting -- -- XXXX XXXX XXXX XXXXXXXX : Data Reporter Name Not Reporting Page 4 of 8 ***************************************************************************************************** In accordance with the FCRA 611 ( 15 U.S.C. 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable archives that I have discovered on my personal credit report ( s ). As reported, I do NOT recognize the data being CHALLENGED IN THIS WRITTENCOMPLAINT, as being plenty ofas related to being accurate, complete, timely, and or fair as reported when reported and I insist that you REMOVE any and all contested documented compilations while you investigate the claim ( XXXX ) and ONLY re-inserting said contested summaries of derogatoriness if satisfies the minimal requisites to lawfully report. 
RESPONSIBILITIES ( per CRRG1-1 ) : Per the CDIAs own 2020 CRRG1-1, Credit reporting info is sensitive data. The issues of ACCURACY AND COMPLETENESS of abstracts AND FAIRNESS to consumers are not just a concern of the consumer reporting agencies ; CREDIT GRANTOR PARTICIPATION is ALSO REQUIRED. FEDERAL and STATE LAWS already REGULATE certain aspects of credit reporting .... Data Furnishers MUST PARTICIPATE IN THE ACCURACY PROCESS. Both Credit Grantors AND consumers depend on consumer reporting agencies to ACQUIRE AND MAINTAIN ACCURATE credit histories. ACQUIRING AND MAINTAINENCE of ACCURATE credit data can ONLY be accomplished IF THE DATA FURNISHER of consumer data UNDERSTANDS Credit Reporting Laws AND XXXX STANDARDS ( the tools ) that ARE available AND ADHERES to the STANDARDS for Credit Reporting ( again, XXXX is THE ONE and ONLY STANDARD per CDIA, as of the CRSA from XX/XX/XXXX onwards ), .... FURTHER, the XXXX System Support Team ( EOSST ) made up of XXXX XXXX ( XXXX XXXX, XXXX, Experian, and XXXX representatives ) MAINTAINS an INDUSTRY-WIDE automated consumer DISPUTE resolution system, which is REQUIRED by the FCRA XXXX XXXX, The XXXX Format enables the reporting of ACCURATE, COMPLETE, and TIMELY credit information ( XXXX ), and IS ACCEPTED by ALL CONSUMER REPORTING AGENCIES, MEETS ALL REQUIREMENTS of the FCBA, FCRA, ECOA, and ANY AND ALL APPLICABLE STATE LAWS, allows data to be added and mapped with greatest consistency, allows COMPLETE identification portfolios to be reported FOR EACH CONSUMER EACH MONTH thereby improvingability of CRAs to match the CORRECT consumer, accommodates CYCLE reporting of data for maximum timeliness of data updates, etc.. 
INTEGRITY DEFINITIONS ( per CRRG2-3 ) : Per the CDIAs own 2020 CRRG2-3, INTEGRITY means that conclusions provided by a data furnisher to a CRA about an account OR OTHER RELATIONSHIP is ( 1 ) SUBSTANTIATED as reported WHEN REPORTED, ( 2 ) is provided such that there is MINIMAL likelihood that the data is incorrect, ( 3 ) includes the applicatory CREDIT LIMIT and REQUISITES OF MAINTAINING ACCURACY AND INTEGRITY AND CONSISTENCY of data REQUIRES FIRST that t h e substantiated dossiers BE ACCURATE and NO subsequent change in the historic payment record UNLESS that payment history is INACCURATE ( so SHOULD HAVE NOT met criteria to report to begin with ). DATA MUST BE reported in a FACTUAL, PRECISE, and OBJECTIVE MANNER with ANY INACCURATE data DELETED.., ANY CONSUMER COMPLAINT or CHALLENGE for evidence of accurate, complete, timely MUST BE PROMPTLY PROCESSED. The FEDERAL REPORTING LAWS including but NOT limited to the FCRA places significant RESPONSIBILITITY on BOTH the DATA FURNISHER ( s ) AND CRA ( s ) for ensurances that they have and abide by sufficing Practices, Procedures, and Processes including adherence to Page 5 of 8 the mandates of the CDIAs CRRG detailed XXXX Data-filled Field Formatted practices for Compliant ACCURATE, COMPLETE, and TIMELY REPORTING of consumer that MUST be to a degree no lesser than that of a MAXIMUM POSSIBLE ACCURACY and COMPLETION. Per CDIA CRRG3-4, deficiencies in ADEQUATE XXXX reporting makes QUESTIONABLE any alleged, ANY DEVIATION IN THESE STANDARDS ... of which is XXXX ... JEOPARDIZES THE INTEGRITY OF THE DATA.. Per CRRG, deficiencies in reporting OR deviations from absolute even if unexceptional reporting of the Compliance Condition Code, Date of First Delinquency, Account Type, Consumer Indicator, XXXXOA Code, relevant Associated Borrower, consanguine ORIGINAL CREDITOR NAME, AND adequate Creditor Classification Codes exposes reported to potential corruptibility, decreased rectitude and suspect VERSISIMILITUDE! 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX P.s. My NEXT letter will be a notification of my LOITS! So that you do not need for a legal dictionary, a LOITS notice is a Letter Of Intent To Suit! You BEST be PROVEN COMPLIANT to ALL requirements and standards of FCRA COMPLIANCE and also of the implemented CRSA enacted CDIAimplemented XXXX XXXX Compliance mandates as well. I will demand verification that each employee at your firm which MIGHT have seen or conducted any business on the file you allege mine has been properly trained by a certified and qualified instructor of the XXXX XXXX data field formatted reporting standards. I am NOT shy in detailing my DOUBTS you can withstand the requisites to survive a court hearing versus me as I leverage your DEFICIENCIES for a slew of victories being awarded a minimum of {$1000.00} PER VIOLATION PER TIME, and there certainly appears to be a bucket full. So, lets do this! Anything OTHER than your letter describing to me that you have already begun or completed the annulment of these unproven claims versus me and have eradicated ENTIRELY any and all aspects of records of what you allege being mine ( yeah! ) will IMMEDIATE compel me to assume your hostile to my demands of proper reporting and I will assume that your ignorance of appropriate and adequate duties are willful and intentionally injurious. Being such, civil suits are obvious however criminal charges are not out the question, particularly if your chicanery-led subterfuge brings forth or allows.