Consumer complaint received 2024-07-16 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: TX

Complaint narrative:
OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 
To Whom It May Concern : How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

Summary of Accounts being Challenged in list form : PHL - XXXX - Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - XXXX - I was never late on this account, please update this on my report- This account is reporting incorrectly. 

XXXX XXXX - XXXX XXXX XXXX - XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account- I PAID THIS IN FULL - and after numerous conversations with this company this should have been removed after I paid it off which has been fulfilled. 

XXXX - XXXX - This account is reporting twice and appears to be a duplicate item please verify. - This account is duplicated. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XXXX - I was never late on this account, please update this on my report- This account is reporting incorrectly. 

XXXX - XXXX - XXXX was not 60 days late on this item- please update - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXX - XXXX - I was not 60 days late on this item - please update- This is inaccurately reporting on my report. 

XXXX XXXX XXXXXXXX - Please start an investigation and prove that this belongs to me. 

XXXX XXXX XXXX XXXX XXXXXXXX - Please begin your investigation. 

XXXX XXXX XXXXXXXX - Please verify that the late payments belong to me- this is extremely outdated and I do not believe it is reporting correctly. - This account is reporting incorrectly. 

XXXX XXXX - XXXX - I was never late on this account, please update this on my report- This account is reporting incorrectly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account -This account is reporting incorrectly. 

XXXX XXXX - XXXX - I was not 60 days late on this item - please update- This is inaccurately reporting on my report.

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