Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Subject : Formal Complaint Regarding Inaccurate Reporting and Non-compliance with the FCRA Dear Sir or Madam, I am submitting this formal complaint against the credit reporting agencies XXXX, Experian, and XXXX as well as the listed creditors and collection agencies. Despite detailed previous disputes and complaints, responses have often been inadequate, comprising pre-written standard form letters that fail to address the specific merits of each case. Such practices are not only unacceptable but also illegal, as they violate the provisions of 15 U.S.C. 1681i, requiring that each consumer dispute be addressed individually based on its particular merits. 

My communications have been consistently disregarded, and there appears to be a systemic issue with how disputes are processed, often implying an illegal delay based on the erroneous assumption that they are third-party interventions. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), which mandates that all data included in a consumer 's file be accurately documented and validated.

I demand immediate and thorough validation of the following accounts, which reflect inaccuracies and unsubstantiated derogatory information : XXXX XXXX XXXX Account Number : XXXX Dispute : Unverified late payments, request for Metro 2 compliance in reporting. 
XXXX XXXX XXXX Account Number : XXXX Dispute : Incorrect reporting of payments, update required to reflect payments made on time. 
XXXX XXXX XXXX XXXX Account Number : XXXX Dispute : Charge-offs and late payments reported without proper documentation. 
XXXX XXXX XXXX Account Number : XXXX Dispute : Late payments inaccurately reported. 
XXXX XXXX XXXXXXXX Account Number : XXXX Dispute : Charge-off reported without substantiation. 
XXXX XXXX XXXX Account Number : XXXX Dispute : Incorrect charge-off and late payments. 
XXXX XXXX Account Number : XXXX Dispute : Charge-off and balance inaccuracies. 
XXXX XXXX XXXXXXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX Dispute : Multiple discrepancies in charge-off and payment history reports. 
These accounts reflect discrepancies that can not be overlooked, including duplicate reporting, unverified late payments, and charge-offs that significantly impact my creditworthiness. The accuracy of your credit reports is crucial, and the alleged discrepancies listed do not meet federal or state requirements for reporting and can not be substantiated. 

I kindly request that you handle this matter with the utmost care and diligence. Each account mentioned requires verification and validation, including the requisite certifiable Metro 2 Compliant Reporting Format Standards and processes related. If the claims can not be validated, they must be removed immediately from my credit report. Failure to process my requests promptly will compel me to consider legal action to enforce my rights under the FCRA. 

Thank you for your immediate attention to this matter. I expect a detailed response within the statutory timeframe. 

Sincerely, XXXX XXXX