Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir, Madam, or to whom elsewise it may concern Excuse me, I believe that I have the right to dispute any inaccurate information on my credit report as stated by the Fair Credit Reporting Act.Fair Credit Reporting Act 18 U.S.C 102BA aggravated identity theft knowingly transfer, possesses, or uses without lawful authority a means of identification of another person hall in addition to punishment for a such felony I also require that any mistakes be permanently rectified immediately I take the accuracy of my credit report very seriously and would appreciate your assistance in rectifying any errors. 
I understand that creditors are required to document and validate the information included in my credit report before using it. I am confident that the allegations of delinquency and derogatoriness ' against me are false, and I would like to request evidence that supports the negative status of my accounts. I kindly ask that you include proof of a permissible purpose for the inquiry or account within my report. 
May I request that you address this matter as soon as possible, please? If not rectified within 30 days from the delivery date, there may be serious consequences, and I would prefer to avoid any intervention or escalation. Thank you for your prompt attention to this matter. 
Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The provided XXXX XXXX associated with XXXX XXXX XXXX XXXX XXXX has been brought to attention. Based on the information received, it seems that there might be deviations observed in adherence to the essential standards governing ethical and compliant reporting of the mentioned claim. According to XXXX guidelines, any deviation from these standards raises concerns regarding the credibility of the reported data. The identified indicators suggest possible deviations from the mandatory and certifiably compliant Metro 2 format Standard ( s ) in the reporting process. 
The Account Type Details : Educational, This is a violation of 15 U.S C 6801b which states the privacy of nonpublic and personal information. I feel as if the company has also violated 15 U.S.C 1681q which obtaining information under false pretences knowing and willfully obtains information on a consumer from a consumer reporting agency under false pretense shall be fined under title XXXX not more the 2 years or both suggest a deviation from required reporting standards and may not meet the necessary criteria for certifiable compliant reporting. Correct the not compliant claims following or impugn from reporting now as indicated so as to not report any derogatory allegations against me, each and every negative aspect. 
The Date Opened ( XXXX ) : XX/XX/XXXX suggest a deviation from required reporting standards and may not meet the necessary criteria for certifiable compliant reporting. Please transmogrify or modify any derogatory allegations against me that XXXX result from reprehensible claims. I request that all negative aspects of reprehensible claims be addressed appropriately to ensure the accuracy of my credit report. 
Upon careful examination of No. of Months ( terms ) ( XXXX ) : XXXX, I must assert the utmost importance of ensuring that the information contained within your records aligns rigorously with industry standards for accuracy. Regrettably, I find myself profoundly disappointed and taken aback by the glaring deviations from the mandatory regulations and compliance guidelines governing this account. Such noncompliance is wholly unacceptable and signifies a distressing oversight that demands immediate rectification. Consequently, I implore you to expeditiously initiate the deletion of this account, recognizing the urgent need to prevent any further adverse consequences. It is crucial that you take swift and decisive action to rectify these issues and mitigate the potential harm that may ensue. 
Upon careful examination of the information pertaining to Last Reported : XX/XX/XXXX, I must express my profound disappointment and concern with the accuracy and compliance reports concerning this account. It is with a sense of duty that I feel compelled to challenge the veracity of the provided data, as it appears there may be discrepancies that could have significant implications for future loan applications or any decisions made based on these erroneous assumptions. I earnestly request you to furnish concrete evidence confirming adherence to all requisite procedures, ensuring the utmost accuracy in our records pertaining to my personal information. Your prompt attention to this matter would be greatly appreciated. 
Upon examining the reporting of Date Last Active ( XXXX ) : XX/XX/XXXX within the report, it has come to our XXXX of XXXX attention that there appears to be an issue with the data provided, as it fails to meet the necessary standards. 
We regret to inform you that the accuracy of the data is questionable, as it deviates from the mandated requirements. It is imperative to adhere to the Metro 2 standards and report all data fields accordingly, without any deviation from the specified criteria. 
I am writing this communication with a sense of disappointment and concern, following a thorough examination of Date of Last Payment ( XXXX ) : XX/XX/XXXX. I hereby challenge the accuracy and compliance reports pertaining to this account. It is disconcerting to discover potential discrepancies in the reporting process, as such inaccuracies have the potential to significantly impact future loans and decisions based on erroneous assumptions. I kindly request you to provide substantial evidence demonstrating the meticulous adherence to all prescribed procedures, ensuring the inclusion of precise and reliable information in our records pertaining to myself. It is imperative that this matter is addressed promptly and effectively to rectify any misrepresentation and maintain the integrity of our records. 
Upon careful examination of 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX, I must emphasize the utmost importance of ensuring that the information contained within your records aligns with the stringent industry standards governing accuracy. Regrettably, I find myself profoundly disheartened by the notable deviations from mandatory regulations and compliance guidelines associated with this account. The discovery of such deviations leaves me in a state of disbelief, and it is evident that an error of significant magnitude has occurred. I implore you, in the strongest terms, to promptly initiate the immediate deletion of this account to rectify this unacceptable situation. It is crucial that corrective measures are expeditiously implemented to prevent further detrimental consequences from unfolding. 
Reporting misleading or unproven information is a violation of the law, particularly after receiving a formal complaint from me. Please remove any illegally reported allegations related to my credit file immediately. 
Please ensure that my credit file is not mixed up with others having similar names, addresses, or social security numbers. All reported claims, regardless of their veracity, must be demonstrated as currently and fully true, correct, complete, timely, and my responsibility.Fair Credit Reporting Act 18 U.S.C 102BA aggravated identity theft knowingly transfer, possesses, or uses without lawful authority a means of identification of another person all in addition to punishment for a such felony I also require that any mistakes be permanently rectified immediately This compliance is mandatory for all applicable reporting laws and standards, including FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS, and others. 
Failure to adhere to these laws and standards constitutes a violation of my rights. If any chicanery-based subterfuge is continued even after I file a consumer complaint, then you must immediately delete all allegations that are not proven in clarity to be true, correct, complete, timely, mine, my responsibility, or otherwise fully compliant. 
Sincerely and genuinely, I confirm that my first and last name are solely and exclusively XXXX XXXX XXXX. Similarly, my complete address, including the street number , street name, city, and state, is only XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation