Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX : XX/XX/XXXX the required standards. Experian XXXX XXXX XXXX XXXX XXXX XXXX. To whom it may concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed 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 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- I would appreciate it if you could take care of any names that may be listed incorrectly in your database. My actual name is XXXX XXXX XXXX if you have anything in your system that is different from what I have just mentioned, please delete them immediately. CURRENT ADDRESS : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - My only address is XXXX XXXX XXXX XXXX XXXX XXXX. Please make sure you remove any address in your system which does not match the address listed on this letter. XXXX XXXX XXXX XXXX  Experian 2 Year Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Description : Individual Account Status : XXXX Open Account Type : XXXX Revolving Balance Owed : XXXX {$380.00} Credit Limit : XXXX {$300.00} Creditor Remarks : XXXX Account information disputed by consumer, meets FCRA requirements 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 {$430.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$60.00} Payment Amount : XXXX {$30.00} Payment Status : XXXX Late 30 Days Term Length : XXXX XXXX The information listed above has not been verified to meet compliance reporting standards or applicable consumer laws. I demand that this information be deleted immediately, as it is deficient. Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Viewing Account # ( XXXX ) demonstrating XXXX. The content of this account does not meet Metro 2 requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with metro 2 requirements or else I will have my ability to finance questioned. This account needs fixing immediately! When I scrutinized Credit Limit ( XXXX ) presenting {$300.00}. 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. Lets examine Term Length ( XXXX ) showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! Upon inspecting Account Type ( XXXX ) exhibiting Revolving. 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. I was looking at Balance Owed ( XXXX ) expressing {$380.00} It is imperative that you make sure the information in your records complies with all industry standards for accuracy. I am shocked to see deviations from mandatory regulations and compliance guidelines for this account! It's clear there must be some kind of error -- please delete this account immediately! Fix things before more damage gets done. XXXX XXXX XXXX XXXX Experian 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 XXXX XXXX XXXX The information you provided is inaccurate and does not meet the minimum standards for accuracy. I demand that XXXX The information you provided is inaccurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue! Inaccurate, imperfect information has no place in your database or on my credit report so please delete it now. Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Viewing 2 Year Payment History demonstrating OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK. You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation? Viewing High Balance ( XXXX ) demonstrating {$0.00}. 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? I want to bring to your attention Account Type ( XXXX ) reporting Installment The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the CDIA. 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! 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? XXXX XXXX XXXX Experian 2 Year Payment History XXXX XXXX XXXX XXXX XXXX OK OK OK OK Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$2600.00} Credit Limit : XXXX {$1000.00} Creditor Remarks : XXXX Dispute XXXX XXXX customer disagrees Creditor Type : - Flexible spending credit card Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$2600.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$570.00} Payment Amount : XXXX {$130.00} Payment Status : XXXX Late 120 Days 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 XXXXXXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Viewing Date of Last Activity ( XXXX ) demonstrating XX/XX/XXXX 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. Lets examine Credit Limit ( XXXX ) showing {$1000.00}. The data for this account appears to be inaccurate or inconsistent with the established reporting standards of CDIA. 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. Upon inspecting Payment Amount ( XXXX ) exhibiting {$130.00}. I am writing to ask for your help in reviewing this account. The data appears inaccurate or inconsistent with established reporting standards of the CDIA, 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 % XXXX XXXX XXXX XXXXXXXX Experian 2 Year Payment History XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$2400.00} Credit Limit : XXXX {$1000.00} Creditor Remarks : XXXX Dispute XXXX XXXX reported by XXXX Creditor Type : - Flexible spending credit card Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$2400.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$390.00} Payment Amount : XXXX {$85.00} Payment Status : XXXX Late 120 Days Term Length : XXXX XXXX The content mentioned above has never been certified to conform to any reporting standards. The data provided has never been verified or complete, and it's also out of date. In order to comply with reporting obligations and consumer legislation, documentation confirming compliance is required. The information given so far is insufficient, and I demand that any wrong, incomplete, or unsupported material be deleted. Also, see the image above foXXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. When I scrutinized Creditor Type ( - ) presenting Flexible spending credit card This account appears to be inaccurate or inconsistent with the established reporting standards of CDIA. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable! Lets examine Payment Status ( XXXX ) showing Late 120 Days The proof is in the pudding. I challenge you to show that your process for reporting and formatting accounts into Metro 2 files meets all of these guidelines! If we can't trust what's on my credit report, then who knows how many other things will fall apart when they rely upon accurate information from them? When I scrutinized 2 Year Payment History presenting XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK. Compliance with regulatory requirements is essential for accurate credit reporting! Prove to me that your information for this account has been fully vetted and meets all the standards of federal law, including but not limited Metro 2 standards. I need you show proof or explain how this account is compliantViewing Account XXXX ( XXXX ) demonstrating Closed is deviating from applicable compliance standards! It is imperative that the data within my credit report is accurately reported, which can be accomplished only if there's no deviation from what's required for compliance reporting! If data reporting isn't done correctly or taken seriously then we might see less integrity of said reports as they will lack one or more essential components needed to make them believable and reliable. If the data in my reports is inaccurate that may negatively impact my credit score and my ability to obtain financing in the future. I want to bring to your attention Balance Owed ( XXXX ) reporting {$2400.00} The data for this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! When I scrutinized Last Payment ( 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 XXXX - XXXX Experian 2 Year Payment History XXXX XXXX XXXX Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Credit Limit : XXXX {$0.00} Creditor Remarks : XXXX Closed XXXX XXXX : - Secured loan Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$2400.00} Last Payment : XXXX - Past Due Amount : XXXX {$0.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Current Term Length : XXXX XXXX The information in the article above has never been certified to meet reporting standards. The data provided is not always accurate, complete, or up to date. I demand that any wrong, incomplete, or unsupported material be deleted. Also, see the image above for XXXX XXXX XXXX  ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Upon inspecting Account # ( XXXX ) exhibiting XXXX. I am writing to challenge the accuracy and compliance reports about this account. I believe there may be some issues with how it is being reported, which could affect future loans or decisions based on those wrong assumptions. Please provide proof that all proper procedures were followed so our records contain accurate information regarding myself! Upon inspecting High Balance ( XXXX ) exhibiting {$2400.00}. 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 was looking at Past Due Amount ( XXXX ) expressing {$0.00} We all know the importance of compliance with regulatory mandates for accurat 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! XXXX XXXX XXXX XXXX  Experian 2 Year Payment History XXXX OK OK OK Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Credit Limit : XXXX {$0.00} Creditor Remarks : XXXX Closed XXXX XXXX : - Unsecured loan Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$60.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$0.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Current Term Length : XXXX 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 XXXXXXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Upon inspecting XXXX XXXX XXXX ( XXXX ) exhibiting {$0.00}. 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 was looking at Creditor Remarks ( XXXX ) expressing Closed 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. I was looking at Account # ( XXXX ) expressing XXXX The information on this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove me wrong, so that my account can be 100 % accurate! I was looking at Account Status ( XXXX ) expressing Closed. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! When I scrutinized Account Description presenting Individual 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! Upon inspecting Term Length ( XXXX ) exhibiting XXXX. There are certain things I can not live without. XXXX 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 Experian 2 Year Payment History Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Installment Balance Owed : XXXX {$250.00} Credit Limit : XXXX {$0.00} Creditor Remarks : XXXX Collection Account Placed for collection Creditor Type : - Family support 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 {$250.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX This information is not accurate and does not meet the minimum standards for compliance. I demand that this be fixed immediately, or else legal action will ensue. Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional arareas of concern. Upon inspecting Date of Last Activity ( XXXX ) exhibiting XX/XX/XXXX. These discrepancies are alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the CDIA. Lets examine Account Description showing Individual 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 that all information for this particular account has been verified. Lets take a look at Payment Status ( XXXX ) reporting Collection/Chargeoff. 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 Creditor Remarks ( XXXX ) exhibiting Collection Account Placed for collection. 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. I want to bring to your attention High Balance ( XXXX ) reporting {$0.00}. 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!? XXXX XXXX XXXXXXXX Experian 2 Year Payment XXXX Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Revolving Balance Owed : XXXX {$7000.00} Credit Limit : XXXX {$6500.00} Creditor Remarks : XXXX Charged off as XXXX XXXX Profit and loss write-off Creditor Type : - Charge account Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$7000.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$7000.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX The content mentioned above was never certified to meet the reporting standards. The data provided was never verified, so it's possible that it's not accurate or up-to-date. I need documentation that confirms this data is in line with the reporting obligations and any consumer protection laws. If this information is inaccurate or incomplete, I demand that it be deleted immediately. Also, see the image above for SYNCB/CARECR ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. I was looking at Balance Owed ( XXXX ) expressing {$7000.00} 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 Bring to your attention XXXX XXXX XXXX ( XXXX ) reporting {$7000.00} I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the XXXX XXXX XXXX XXXX XXXX XXXX Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. I want to bring to your attention Date Reported ( - ) reporting XX/XX/XXXX. This account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively. Lets examine Last Payment ( XXXX ) showing XX/XX/XXXX. That's not quite right. What is your current level of compliance with CDIA standards? I noticed that you have not adhered to all reporting requirements. Please review the information on file and prove its accuracy. I am demanding that you adhere to the standards of XXXX reporting requirements or remove my information from this account immediately! XXXX - XXXX Experian 2 Year Payment History Account # : XXXX XXXX Description : Individual Account Status : XXXX Derogatory Account Type : XXXX Installment Balance Owed : XXXX {$5200.00} Credit Limit : XXXX {$0.00} Creditor Remarks : XXXX Collection Account XXXX for collection Creditor Type : - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$5200.00} Last Payment : XXXX - Past Due Amount : XXXX {$5200.00} Payment Amount : XXXX {$0.00} Page XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX experian XXXX XXXX XXXX, XXXX. TX XXXX Payment Status : XXXX Collection/Chargeoff Term Length : XXXX XXXX I'm disappointed that you have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws. This is a major deficiency! I demand that this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards to these matters. It's very important that we are aware of what kind of documentation we should be looking for so that we don't get caught flat-footed when things go south later down XXXX XXXX and an issue which XXXX have been preventable occurs due to a lack of accurate information. Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. When I scrutinized Account Status ( XXXX ) presenting Derogatory 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! Lets examine XXXX XXXX ( XXXX ) showing {$5200.00} Compliance with XXXX XXXX XXXX is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account! When I scrutinized Account # ( XXXX ) presenting XXXX I challenge the accuracy of this account on my credit report. You know that I am a hard-working individual, but there are some things on it which do not reflect what's true for me and this is why your company has received so many complaints from customers who had issues with their reports being accurate or complete enough as they claim to be able provide such services if needed! How can I trust what's in my credit report? It doesn't look like you're following the right guidelines.