Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX **Today 's Date is XXXX XX/XX/XXXX XXXX **Resource for Report Information is : XXXX XXXX **My Date of Birth is XXXX **SSN ( Last4 ) : XXXX *I have no other mandates of nor for submitting to you nor any entity non-regulatorily mandated supplied personal identifier information. As such, I do not authorize you nor any entity to report ANY assertions of belief or knowledge versus me of which there is not required inclusion or is information not exactly and completely as I have above stated is my non-disputed, factually austerely accurate correct and current personal identifier information mandatorily reported. Please ensure no other such information exists on my report. * **My Personal Tracking Number is XXXX XXXX XXXX XXXX  XXXX -- - **To whom it might concern** I am writing to DISPUTE the following archives that your company supplied to XXXX 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, fair adhering of Federal and state reporting laws and or sufficiency in your reverential adhering to the mandatorily utilized credit reporting industrys protocols namely the CDIAs own CRRG-detailed Metro2 Formatted reporting without deviation ( s ), errors, nor omissions of applicable summaries of derogatoriness 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 necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidence of 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 acceptable and 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 ) : ** 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 ZERO 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 that documented compilations 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 **or 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 required in writing : - **? ** = Data Point is **QUESTIONABLE** in its reporting - **I** = Data Point is **INCONSISTENTLY** reported across displayed bureaus, an infraction of the 5th point of Metro 2 Five points of compliance !

- **M** = Data Point is **MISSING** and or is DEFICIENTLY reported as compared to what is most likely information that SHOULD OF BEEN adequately reported!

- **U** = Data Point is else wise **UNPROVEN**, as reported! Undocumented claims can NOT be assumed valid nor compliantly reported! 

-- - ** # 1 Efface From Reporting or MODIFY as necessary ANY Prejudiced And Injurious aspect of your assertions** **Consumers Primary Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Personal Identifier InformationXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX **Experian : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX REMOVE the display reported Consumers Primary Name ( s )  of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE FIRST & LAST NAME is XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 

-- - **Consumers Other Name ( s ) : -- -- -- ** **Personal Identifier Information** XXXX XXXX XXXX ** -- - **Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - REMOVE the display reported Consumers Other Name ( s ) of XXXX  and XXXX and XXXX  as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumers Other Names is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 

-- - **Consumers Current Residence : ** XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX **Personal Identifier Information** XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX - **Experian : ** XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX -- XXXX REMOVE the display reported Consumers Current Residence ( s ) of XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXX XXXX, SC XXXX Date Updated : XX/XX/XXXX and XXXX XXXX XXXX XXXX, SC as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 

-- - **Consumers Previous Residence : ** XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC **Personal Identifier Information** XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX - **Experian : ** XXXX XXXX XXXX XXXX, SC XXXX - XXXX : ** XXXX XXXX XXXX XXXX, SC -- - REMOVE the display reported Consumers Previous Residence ( s ) of XXXX XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXX XXXX, SC XXXX Date Updated XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX, SC as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 

-- - **Consumers Reported Employer ( s ) : XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XXXX **Personal Identifier Information** - XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX - **Experian : ** XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX -- - REMOVE the display reported Consumers Reported Employer ( s ) of XXXX Date Updated : XX/XX/XXXX and XXXX Date Updated : XX/XX/XXXX and XXXX Date Updated : XX/XX/XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumers Reported Employers is XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 

-- - **Consumers Birth Year : ** XXXX XXXX XXXX -- - REMOVE the display reported Consumers Birth Year ( s ) of XXXX and XXXX and XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumers Birth Year : is XX/XX/XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 

-- - ** # 2 Remove From Reporting or MODIFY as necessary ANY Slanted And Injurious aspect of your assertions** **CREDITOR NAME : ** XXXX XXXXXXXX XXXX  **INQUIRY DATE : ** XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  asserted on XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and required achieved lawful Permissible Purpose, and or is not factually true adherent certifiably obedient as it is currently reported. Please REMOVE from reporting without hesitation!

-- - ** # 3 Extract From Reporting or MODIFY as necessary ANY Inappropriate And Injurious aspect of your accusations** **CREDITOR NAME : ** XXXX XXXX **INQUIRY DATE XXXX ** XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asserted on XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and onus to achieved lawful Permissible Purpose, and or is not testimonial docile testimonial docile as it is currently reported. Please DELETE from reporting rapidly! 

-- - ** # 4 Take Away From Reporting or MODIFY as necessary ANY Undeserving And Injurious aspect of your allegations** **CREDITOR NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXXINQUIRY DATE : ** XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  leery on XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and onus to achieved lawful Permissible Purpose, and or is not factually true adherent certifiably compliant as it is currently reported. Please REMOVE from reporting without hesitation! 

-- - ** # 5 Take Away From Reporting or MODIFY as necessary ANY Gratuitous And Injurious aspect of your accusations** **CREDITOR NAME : XXXX XXXX XXXX XXXXINQUIRY DATE : ** XX/XX/XXXX **InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  dubious on XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and burden to achieved lawful Permissible Purpose, and or is not certifiably obedient testimonial obedient as it is currently reported. Please ERADICATE from reporting rapidly! 

-- - ** # 6 Extract From Reporting or MODIFY as necessary ANY Indigent And Injurious aspect of your assertions** **CREDITOR NAME : ** XXXX XXXX **INQUIRY DATE : ** XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX skeptical on XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and urgent achieved lawful Permissible Purpose, and or is not certifiably adherent factually true adherent as it is currently reported. Please ERASE from reporting rapidly! 

-- - ** # 7 Excise From Reporting or MODIFY as necessary ANY Slanted And Injurious aspect of your CLAIMS** **CREDITOR NAME : XXXX XXXX XXXX XXXX XXXX XXXXINQUIRY DATE : ** XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  averred on XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and urgent achieved lawful Permissible Purpose, and or is not factually true obedient factually true compliant as it is currently reported. Please DELETE from reporting without hesitation! 

-- - ** # 8 Efface From Reporting or MODIFY as necessary ANY Influenced And Injurious aspect of your CLAIMS** **CREDITOR NAME XXXX XXXX XXXX XXXX XXXX XXXXINQUIRY DATE : ** XX/XX/XXXX **InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX skeptical on XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and onus to achieved lawful Permissible Purpose, and or is not factually true compliant factually true docile as it is currently reported. Please REMOVE from reporting forthwith! 

-- - ** # 9 Eliminate From Reporting or MODIFY as necessary ANY Gratuitous And Injurious aspect of your accusations** **CREDITOR NAME XXXX XXXX XXXX XXXX XXXX **INQUIRY DATE : ** XX/XX/XXXX **Inquiries*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - **Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  distrustful on XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and obligated achieved lawful Permissible Purpose, and or is not testimonial obedient certifiably docile as it is currently reported. Please ELIMINATE from reporting without hesitation! 

-- - ** # 10 Extract From Reporting or MODIFY as necessary ANY Wrongful And Injurious aspect of your allegations** **CREDITOR NAME : XXXX XXXX XXXX XXXX XXXXINQUIRY DATE : ** XX/XX/XXXX **InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeclared on XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and obligated achieved lawful Permissible Purpose, and or is not certifiably obedient certifiably obedient as it is currently reported. Please REMOVE from reporting right away! 

-- - ** # 11 Delete From Reporting or MODIFY as necessary ANY Inappropriate And Injurious aspect of your assertions** **CREDITOR NAME : ** XXXX XXXX XXXX XXXX XXXXXXXX DATE : ** XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  declared on XXXX is an unconfirmed inquiry XXXX not as of yet proven to be with the necessary adequate and requisite achieved lawful Permissible Purpose, and or is not certifiably compliant factually true adherent as it is currently reported. Please BLOCK from reporting at once! 

-- - ** # 12 Obliterate From Reporting or MODIFY as necessary ANY Wrong And Injurious aspect of your assertions** **CREDITOR NAME : XXXX XXXX XXXX XXXX XXXXINQUIRY DATE : ** XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX incredulous on XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and preconditioned achieved lawful Permissible Purpose, and or is not factually true obedient factually true rightful as it is currently reported. Please ERADICATE from reporting at once! 

-- - ** # 13 Obliterate From Reporting or MODIFY as necessary ANY Unjustifiable And Injurious aspect of your accusations** **CREDITOR NAME : ** XXXX XXXX XXXXINQUIRY DATE : ** XX/XX/XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  skeptical on XXXX is an unconfirmed inquiry, not as of yet proven to be with the necessary adequate and requisite achieved lawful Permissible Purpose, and or is not factually true docile certifiably docile as it is currently reported. Please REMOVE from reporting without hesitation! 

-- - **RESPONSIBILITIES ( per CRRG1-1 ) : ** Per the CDIAs own **2020 CRRG1-1**, Credit reporting portfolios is sensitive data. The issues of ACCURACY AND COMPLETENESS of information 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 MAINTENANCE of ACCURATE credit conclusions can ONLY be accomplished IF THE DATA FURNISHER of consumer data UNDERSTANDS Credit Reporting Laws AND METRO2 STANDARDS ( the tools ) that ARE available AND ADHERES to the STANDARDS for Credit Reporting ( again, Metro2 is THE ONE and ONLY STANDARD per CDIA, as of the CRSA from XX/XX/XXXX onwards ),. FURTHER, the e-Oscar System Support Team ( EOSST ) made up of TEEI CRAs ( XXXX XXXX, XXXX, Experian, and XXXX representatives ) MAINTAINS an INDUSTRY-WIDE automated consumer DISPUTE resolution system, which is REQUIRED by the FCRA 611 a5D, The METRO2 Format enables the reporting of ACCURATE, COMPLETE, and TIMELY credit info ( CRRG1-4 ), 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 dossiers to be reported FOR EACH CONSUMER EACH MONTH thereby improving ability 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 befitting CREDIT LIMIT and REQUISITES OF MAINTAINING ACCURACY AND INTEGRITY AND CONSISTENCY of data REQUIRES FIRST that the substantiated data 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 sure competent Practices, Procedures, and Processes including adherence to the mandates of the CDIAs CRRG detailed METRO2 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 METRO2 reporting makes QUESTIONABLE any alleged, ANY DEVIATION IN THESE STANDARDSof which is Metro2 JEOPARDIZES THE INTEGRITY OF THE DATA.. Per CRRG, deficiencies in reporting OR deviations from commensurate reporting of the Compliance Condition Code, Date of First Delinquency, Account Type, Consumer Indicator, ECOA Code, suitable Associated Borrower, applicatory ORIGINAL CREDITOR NAME, AND relevant Creditor Classification Codes exposes reported to potential corruptibility, decreased rectitude and suspect VERSIMILITUDE!

-- - 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 CDIA implemented Metro 2 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 Metro 2 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.