Consumer complaint received 2024-05-15 00:00:00
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.
State: VA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies in the below listed accounts. CERTAINLY, YOU ARE AWARE THAT COMPLETE COMPLIANT REPORTING IS A MANDATE NOT AN OPTION, AS SUCH ANY DEROGATORY ACCUSATIONS ASSOCIATED WITH A NOT COMPLIANT ALLEGED ACCOUNT MOST DEFINITELY, IS NOT COMPLIANTLY REPORTING ITSELF IF NOT UNPROVEN TO BE TRUE, CORRECT, COMPLETE, TIMELY, MINE, OR MY RESPONSIBILITY. 

HERE in this written letter is my formal request for you to bring my credit report into XXXX COMPLIANCE. I will take for granted that you are knowledgeable of the credit reporting laws ensuring that bureaus report only XXXX  % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none. Given your awareness, coupled with field trained knowledge, I am certain that you understand that a challenge to produce document demonstration in evidence to all claims of which you can not or will not adequately prove physically within the federally mandated timely fashion you are requisite to ANNUL any and all such challenged or disputed indicated misinformation immediately by FULL DELETION of every single XXXX even each any and all aspects of the unproven reported chicanery filled subterfuge. Every step is required to be taken to assure the information reported is completely compliant, true, complete, timely, and correct. You nor any entity has authority to retain or report any undocumented and or unproven adverse allegations or physically unverifiable or not validated claims of derogatory items ) of information, true or not! 

DEROGATORY ACCUSATIONS HAS TO BE XXXX XXXX COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME. I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY XXXX XXXX COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED. AS SUCH, I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL ANY NOW BY FULL AND PERMANENT DELETION OR ELSE ADEQUATELY TESTIMONY TO THE DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED XXXX XXXX DATA FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS APPROPRIATELY WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SUIT YOU AND SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION. 

Would you ever so kindly, indulge me with the mandated presentations of your requisite actions to authenticate and avow corporeally to the absolute genuineness, accurateness, allness, accordance, and adherence to every single one even each any and or all of the federally composed legislative documents as related to the now officially challenged allegations of account and or adverse notations therein of such claims. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenged so DELETE TODAY even right NOW or unequivocally avouch physically to every single XXXX even each any or all of the excerpts, dated assignments, ledger balances, audited enumerations, documents of identification, each of the XXXXcharacter format fielded XXXX statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate affirmly every single one even each any and or all of the minimal XXXX ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified these items.

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