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 XXXXXXXX XXXX XXXX XXXXEXPERIANXXXX ** XXXX XXXX XXXX XXXX, TX XXXX XXXX 's Date is : XX/XX/XXXX XXXX XXXXResource for Report Information is : XXXX XXXX **My Date of Birth is XXXX **SSN ( XXXX ) : 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 XXXXXXXX XXXX XXXX XXXX XXXX **To whom it might concern** I am writing to DISPUTE the following archives 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, 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 XXXX own XXXX 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 XXXX ) : ** Per the XXXX own XXXX XXXX, 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 XXXX and XXXX FACT ACT ) : ** - Per the XXXX own XXXX XXXX, the XXXX FACT XXXX XXXX XXXX XXXX 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 XXXX point of Metro 2 XXXX points of compliance XXXX 
- **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! 

-- - ** # XXXX 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 XXXXXXXX XXXX XXXX  **Personal Identifier Information** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE the display reported Consumers Primary Name ( s ) of XXXX XXXX XXXX XXXX and XXXX XXXX A XXXX and XXXX XXXX A XXXX XXXX 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 ( XXXX ) : -- -- -- ** **Personal Identifier Information** - *XXXX XXXX XXXX -- - **Experian : ** -- - XXXX XXXX XXXX XXXX- -- - REMOVE the display reported Consumers Other Name ( s ) of -- and -- and -- as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumers Other Names is XXXXX. 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 XXXXXXXX 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 ( XXXX ) of XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX : XX/XX/XXXX and XXXX XXXX XXXX XXXX, SC XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX 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 ( XXXX ) : XXXX XXXX Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XXXX **Personal Identifier Information** - **TransUnion : ** XXXX Date Updated : XX/XX/XXXX - **Experian : ** XXXX Date Updated : XX/XX/XXXX - **XXXX  : ** XXXX Date Updated : XX/XX/XXXX -- - REMOVE the display reported Consumers Reported Employer ( XXXX ) of XXXX Date Updated : XX/XX/XXXX and XXXX XXXX Updated : XX/XX/XXXX and XXXX XXXX Updated : XX/XX/XXXX as my XXXX REPORTED CURRENT CORRECT COMPLETE Consumers Reported Employers is XXXXX. 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 ( XXXX ) 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. 

-- - ** # XXXX Remove From Reporting or MODIFY as necessary ANY Slanted And Injurious aspect of your assertions** **CREDITOR NAME : ** XXXX XXXX XXXX  **INQUIRY DATE : ** XX/XX/XXXX **Inquiries** - XXXX  : ** XXXX XXXXXXXX XXXX XXXX XXXX XXXXExperian : ** N/A - 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 - **Experian : ** N/A - *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 : ** XXXXXXXX XXXX XXXX XXXX  **INQUIRY DATE : ** XX/XX/XXXX **Inquiries** - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - **Experian : ** N/A - **Equifax : ** XXXX **SRP FEDERAL CREDIT UNI** 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*INQUIRY DATE : ** XX/XX/XXXX **Inquiries** - **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian : ** N/A - 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! 

-- - ** # XXXX Extract From Reporting or MODIFY as necessary ANY Indigent And Injurious aspect of your assertions** **CREDITOR NAME : ** XXXX XXXX XXXXINQUIRY DATE : ** XX/XX/XXXX **Inquiries** - **XXXX  : ** XXXX XXXX XXXX - XXXXExperian : ** N/A - **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  **INQUIRY DATE : ** XX/XX/XXXX **Inquiries** - **XXXX  : ** XXXXXXXX XXXX XXXX XXXX XXXX - **Experian : ** N/A - **XXXX  : ** XXXX **CAPITAL XXXX AUTO FIN** averred on XXXX XXXX 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! 

-- - ** # XXXX Efface From Reporting or MODIFY as necessary ANY Influenced And Injurious aspect of your CLAIMS** **CREDITOR NAME : ** XXXX XXXX XXXX XXXX*INQUIRY DATE : ** XX/XX/XXXX **Inquiries** - **XXXX  : ** XXXX XXXX XXXX XXXX  - **Experian : ** N/A - **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! 

-- - ** # XXXX Eliminate From Reporting or MODIFY as necessary ANY Gratuitous And Injurious aspect of your accusations** **CREDITOR NAME : ** XXXX XXXX XXXX **INQUIRY DATE : ** XX/XX/XXXX **Inquiries** - **XXXX  : ** XXXX 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! 

-- - ** # XXXX Extract From Reporting or MODIFY as necessary ANY Wrongful And Injurious aspect of your allegations** **CREDITOR NAME : ** XXXX XXXX XXXX **INQUIRY DATE : ** XX/XX/XXXX **Inquiries** - **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Experian XXXX ** N/A - **XXXX  : ** XXXX XXXX XXXX XXXX declared 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  XXXX DATE : ** XX/XX/XXXX **Inquiries** - **XXXX : ** XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXExperian : ** N/A - **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 XXXXINQUIRY DATE : ** XX/XX/XXXX **Inquiries** - **TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX **Experian : ** N/A - **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! 

-- - ** # XXXX 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 - XXXXExperian : ** N/A - 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 XXXX ) : ** Per the XXXX own XXXX XXXX, 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 ; XXXXREDIT 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 XXXX, as of the XXXX from XX/XX/XXXX onwards ),. FURTHER, the e-Oscar System Support Team ( EOSST ) made up of XXXX XXXX ( XXXX XXXX, XXXX, Experian, and XXXX XXXX  ) MAINTAINS an INDUSTRY-WIDE automated consumer DISPUTE resolution system, which is REQUIRED by the FCRA XXXX XXXX, The METRO2 Format enables the reporting of ACCURATE, COMPLETE, and TIMELY credit info ( 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 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 XXXX ) : ** Per the XXXX own XXXX XXXX, 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 XXXX XXXX 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 XXXX XXXX, deficiencies in ADEQUATE METRO2 reporting makes QUESTIONABLE any alleged, ANY DEVIATION IN THESE STANDARDSof which is Metro2 JEOPARDIZES THE INTEGRITY OF THE DATA.. Per XXXX, deficiencies in reporting OR deviations from commensurate reporting of the Compliance Condition Code, Date of First Delinquency, Account Type, Consumer Indicator, XXXX XXXX, suitable XXXX XXXX, 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 XXXX and also of the implemented XXXX enacted XXXX 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.