Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX 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 metro 2 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 METRO 2 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information for Experian NAME : XXXX XXXX XXXX XXXX - Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX and if you have any listings with different address ( XXXX ), please delete them immediately so the information you have on file for me is accurate. 
XXXX XXXX XXXX XXXX XXXXXXXX Experian Experian 2 Year Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Revolving Balance Owed : XXXX {$93.00} Credit Limit : XXXX {$500.00} Creditor Remarks : XXXX Subscriber reports dispute resolved - consumer disagrees. Unpaid balance reported as a loss by the credit grantor. 
Creditor Type : - Credit line secured Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$0.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$93.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX The information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Upon inspecting XXXX XXXX ( XXXX ) exhibiting {$500.00}. I believe we have some issues with accuracy and compliance regarding this account. I challenge you prove the accuracy of this account and reporting practices with proof from Metro 2 standards. If applicable compliance standards are not followed then my records may contain inaccurate information about myself which will affect future loans or decisions made based on those wrong assumptions. 
I want to bring to your attention 2 Year Payment History reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!? 
Lets examine High Balance ( XXXX ) showing {$0.00}. The data for this account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately. 
When I scrutinized Past Due Amount ( XXXX ) presenting {$93.00} I noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards set by Metro 2. If I can't trust what's in my credit report, then there is no point to having one at all!. 
This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian Experian 2 Year Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Revolving Balance Owed : XXXX {$9700.00} Credit Limit : XXXX {$8700.00} Creditor Remarks : XXXX Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. 
Creditor Type : - Credit Card Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$0.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$9700.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX I demand that this deficient information be deleted immediately! This information was never verified to be accurate, complete, timely, or validated. It was never proven to be compliant with reporting standards. 
Also, see the image above for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive highlighted and circled additional areas of concern. 
When I scrutinized Term Length ( XXXX ) presenting XXXX. The information reported doesn't seem to meet the standards set by Metro 2 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 inaccurate record from my report or provide proof of your compliance with applicable standards. 
Viewing Account Type ( XXXX ) demonstrating Revolving. 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 Date of Last Activity ( XXXX ) presenting XX/XX/XXXX. 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 Metro 2 standards Lets examine Account # ( XXXX ) showing XXXX I challenge you to prove that your reporting practices and process are perfect, complete with Metro 2 format guidelines! If you cant do so then clearly my credit report which relies on accurate information will also not be accurate! 
Upon inspecting Payment Amount ( XXXX ) exhibiting {$0.00}. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian Experian 2 Year Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Revolving Balance Owed : XXXX {$7900.00} Credit Limit : XXXX {$9500.00} Creditor Remarks : XXXX Subscriber reports dispute resolved - consumer disagrees. Unpaid balance reported as a loss by the credit grantor. 
Creditor Type : - Credit Card Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$0.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$7900.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX The information in the upper section was never proven to meet compliance reporting standards. 
The information has never been verified to be accurate, complete, timely, or validated. You must provide documented proof of compliance reporting standards and applicable consumer laws. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
I was looking at Account Status ( XXXX ) expressing Derogatory We all know the importance of compliance with regulatory mandates for accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof! 
Viewing Payment Status ( XXXX ) demonstrating Collection/Chargeoff. I am reaching out to you because the content of this account does not meet Metro 2 Format requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finances. Please fix this account immediately! 
Lets examine 2 Year Payment History showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I bet you can't wait until I'm done with this account! The compliance standards are really important, and your reporting ability is clearly lacking. As we know from the news lately -- inaccurate credit records lead to higher interest rates on loans or even worse... Prove Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX that all information for this particular account has been verified. 
Upon inspecting Date Reported ( - ) exhibiting XX/XX/XXXX. I am disappointed to find that the data you reported does not meet our standards. It is inaccurate because it deviates from what's required by Metro 2 rules and there can never be any deviations from these requirements so please correct this account right away before my finances are impacted by incomplete or unverified information. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - XXXX Experian Experian 2 Year Payment History Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Collection Balance Owed : XXXX {$380.00} Credit Limit : XXXX - Creditor Remarks : XXXX Customer disputed account XXXX reported by subscriber. 
Creditor Type : - Collection Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$380.00} Last Payment : XXXX - Past Due Amount : XXXX - Payment Amount : XXXX - Payment Status : XXXX Collection/Chargeoff Term Length : XXXX - The derogatory information above was never proven to be compliant with reporting standards. The information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! 
Also, see the image above for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) ( XXXX ) XXXX ( XXXX ). 
Ive highlighted and circled additional areas of concern. 
Upon inspecting Account Status   ( XXXX ) exhibiting Derogatory. I am writing to ask for your help in reviewing this account. The data appears inaccurate or inconsistent with established reporting standards of the XXXX, so I would like you to review it again and make sure everything is true/ accurate about what's going on here before accepting its accuracy as fact! If there are any discrepancies when checking out these claims please remove me from consideration immediately because nothing can be worth doing at less than 100 % I was looking at High Balance ( XXXX ) expressing {$380.00} The data on this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX. I would like you to review it again and prove to me that everything is true, accurate, consistent etcetera! If unable then remove my profile immediately- please do not hesitate in removing accounts which do not meet these requirements Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Viewing Date Opened ( XXXX ) demonstrating XX/XX/XXXX. There are some aspects of this account that I am having trouble understanding because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? 
When I scrutinized Last Payment ( XXXX ) presenting- I am writing to ask for an explanation of why your account appears inaccurate or inconsistent with established reporting standards at XXXX. 
There seems to be some discrepancies and I would like them resolved immediately! 
I was looking at Term Length ( XXXX ) expressing- and I am shocked to see that there are numerous reported compliance breaches! The data for my account must be accurate, which can only happen if no deviations from standards for reporting exist. It's imperative that you ensure 100 % accuracy with all compliance standards! You must maintain the integrity of my information. Please delete this account from my credit report immediately. 
XXXX XXXX  - XXXX Experian Experian 2 Year Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Revolving Balance Owed : XXXX {$4500.00} Credit Limit : XXXX {$3700.00} Creditor Remarks : XXXX Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. 
Creditor Type : - Credit Card Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$0.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$4500.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX The information in this report was never confirmed to be in compliance with the required reporting standards. The information is also deficient in that it has not been verified as accurate, complete, timely, or validated. I demand that this information be deleted immediately, as it does not meet the required standards. 
Also, see the image above for XXXX XXXX  ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Viewing Balance Owed ( XXXX ) demonstrating {$4500.00} The accuracy of my credit report is crucial to me. My future financing options may be limited if the information in it isn't accurate and I'll need even more than just good scores before getting approved for anything! This account seems to be inaccurate and not adhering to compliance standards. 
Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Upon inspecting Date Reported ( - ) exhibiting XX/XX/XXXX. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't imagine how we would operate if they were not obeyed! So, let 's take this opportunity for you to show me proof of your adherence to applicable compliance standards for this particular account. 
Lets take a look at Creditor Remarks ( XXXX ) reporting Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor.. The data reported doesn't meet the required standards. It could be inaccurate because it deviates from what's allowed, so make sure all fields are correct before adding anything to my credit report Upon inspecting Account Status ( XXXX ) exhibiting Derogatory. The data you reported doesn't meet the requirements! It's not accurate because it deviates from what is required. As I know, You must always report all fields in compliance with Metro 2 standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information I want to bring to your attention High Balance ( XXXX ) reporting {$0.00} The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! 
Lets examine Credit Limit ( XXXX ) showing {$3700.00} Metro 2 requires that all reported information be accurate and up-to-date. It's clear there have been some errors in this account, which calls into question the integrity of everything else reported on here! 
Inquiries XXXX XXXX XXXX XXXX XXXX  Experian I'm concerned that someone unauthorized has been looking at my credit report. I did not authorize any inquiries by employees of these companies, which violates the Fair Credit Reporting Act. I would like you to investigate this and provide me with documentation of any inquiries with my signature on them. If any unauthorized inquiries are found, I would like them removed from my credit report. I understand that you have 30 days to complete this investigation. 
XXXX, XXXX XX/XX/XXXX Experian I noticed that there were credit inquiries on my credit report that I didn't authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I would like you to investigate this and provide me with copies of any documentation associated with these accounts bearing my signature. If these inquiries are found to be fraudulent, I would like them to be immediately deleted from the credit file that you maintain under my social security number. According to the Fair Credit Reporting Act section 611, you have 30 days to complete this investigation. 
XXXX XX/XX/XXXX Experian I was shocked to find this inquiry on my credit report. As you know, this should not have been reported! The Fair Credit Reporting Act states no one may access your information without permission from you first, so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of-business venture through their company, as well as any other relevant details. Im sure you will realize these inquiries shouldnt be on my credit after all! 
XXXX XXXX XX/XX/XXXX Experian I received a copy of my credit report and noticed that there were credit inquiries from companies that I don't remember authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it, so I would appreciate it if you could remove this inquiry Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX from my credit file immediately. I would also appreciate receiving documentation that you have investigated and removed the unauthorized inquiries. 
Sincerely I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 
XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA 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. 
Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Page XXXX of XXXX