Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern : According to the Fair Credit Reporting Act ( FCRA ), you are required to promptly delete all information that is inaccurate, incomplete, or unverified. 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 Personal Information for Experian XXXX : XXXX XXXX XXXX XXXX - My name is XXXX XXXX. If you have any other names listed for me in your system, please delete them so that your database has accurate information about me. CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX Your company 's records must be up-to date. If you have any address listed in your system that does not match my address as its listed in this letter to you, please delete them immediately so you can make sure your database has accurate information about Me! My only address is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX 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. Lets examine Term Length ( XXXX ) showing Revolving 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! I was looking at Last Payment ( XXXX ) expressing - 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. I was looking at Account Status ( XXXX ) expressing Closed 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 When I scrutinized Account # ( XXXX ) presenting XXXX 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 XXXX 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 I demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting obligations and any consumer legislation. Lets take a look at Payment Amount ( XXXX ) reporting -. 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 When I scrutinized XXXX  Year Payment History presenting XXXX XXXX XXXX XXXX OK OK 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 required standards. Bring to your attention Account Type ( XXXX ) reporting REVOLVING 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 Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. Lets examine Date Reported ( - ) showing XX/XX/XXXX 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? Upon inspecting Creditor Type ( - ) exhibiting Credit Card. 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! Lets examine Term Length ( XXXX ) showing Revolving. 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  - 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. Upon inspecting Last Payment ( XXXX ) exhibiting -. 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. When I scrutinized 2 Year Payment History presenting XXXX XXXX XXXX XXXX XXXX XXXX OK OK. 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 Creditor Type ( - ) demonstrating Credit Card. I am reaching out to you because the content of this account does not meet XXXX XXXX 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! Viewing Credit Limit ( XXXX ) demonstrating {$3700.00}. 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? Viewing Payment Amount ( XXXX ) demonstrating -. 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! Upon inspecting Account Description exhibiting Individual. 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 % XXXX XXXX XXXX XXXXXXXX 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 ). Ive highlighted and circled additional areas of concern. I was looking at Term Length ( XXXX ) expressing Revolving. This is a formal complaint about the content of my report. It has come to my attention that you failed in following standard procedures for accuracy, and as such I question its validity if not fixed immediately. I want to bring to your attention Account Status ( XXXX ) reporting Closed 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! I want to bring to your attention 2 Year Payment History reporting XXXX XXXX XXXX XXXX XXXX XXXX OK. 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 XXXX XXXX XXXX It's very important that your company complies with all applicable consumer laws and reporting standards. I am disappointed that you have failed to provide any documentation to prove compliance. If this report is not deleted immediately, legal action will be taken against your company. Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. I was looking at Creditor Type ( - ) expressing Auto Loan 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. Upon inspecting High Balance ( XXXX ) exhibiting {$11000.00}. 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! 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 - XXXX The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately, as it is deficient. Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Lets examine Creditor Remarks ( XXXX ) showing Completed investigation of FCRA dispute consumer disagrees 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! I want to bring to your attention Date Opened ( XXXX ) reporting XX/XX/XXXX The data for 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 that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! I was looking at Account # ( XXXX ) expressing XXXX. The accuracy of what youre reporting for this account is in question, and as such I demand that it be fixed immediately or else there will be legal action taken against you. I was looking at Date of Last Activity ( XXXX ) expressing XX/XX/XXXX 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! XXXX XXXX - XXXX The content mentioned above was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, 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. 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 Viewing High Balance ( XXXX ) demonstrating {$160.00}. 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? Upon inspecting Account # ( XXXX ) exhibiting 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 examine Creditor Type ( - ) showing XXXX XXXX XXXX XXXX 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! 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 SYNCB/PPC ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. I was looking at Creditor Remarks ( XXXX ) expressing- 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! Viewing Payment Status ( XXXX ) demonstrating Charge-off. I am writing to inform you that the data for this account appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about CDIA requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas! Upon inspecting Creditor Type ( - ) exhibiting Credit Card. 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. When I scrutinized Balance Owed ( XXXX ) presenting {$1900.00}. 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 When I scrutinized Last Payment ( XXXX ) presenting- 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 Term Length ( XXXX ) showing Revolving Compliance with Metro 2 standards 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! XXXX XXXX XXXX - XXXX The information you provided is not accurate 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 ( XXXX ). Ive highlighted and circled additional areas of concern. Upon inspecting Payment Amount ( XXXX ) exhibiting -. 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 Lets take a look at Payment Status ( XXXX ) reporting Charge-off. There may be a problem with the data reported because it doesn't meet the required standards. The data may not be accurate because it deviates from what is required. As you know You must report all Data fields in compliance with the Metro 2 standards. There can be no deviation from these requirements. When I scrutinized High Balance ( XXXX ) presenting- I am writing to ask for an explanation of why your account appears inaccurate or inconsistent with established reporting standards at CDIA. There seems to be some discrepancies and I would like them resolved immediately! XXXX XXXX XXXX - XXXX The data above was never certified to meet any reporting standards. It's also worth noting that this information may be incomplete, outdated, or unsupported. I would like to see any incorrect or unsupported material removed from this page. Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Lets examine Term Length ( XXXX ) showing Revolving 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. Bring to your attention Last Payment ( XXXX ) reporting - What are your thoughts on this? I challenge you to prove that my credit report and reporting practices are perfect. If you can't do it, then clearly the information in regards to me is inaccurate because Metro 2 standards arent being met! Viewing Date of Last Activity ( XXXX ) demonstrating XX/XX/XXXX 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. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) - XXXX The information above was never compliant with reporting standards, so we don't know what you're talking about. The information you provided is not up-to-date and does not meet the minimum standards for accuracy. I demand that this be fixed immediately, or else legal action will ensue! 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. When I scrutinized Account Status ( XXXX ) presenting XXXX. It appears there is a problem with the data reported because it doesn't meet required standards. The information may not be accurate due to deviations from what's needed in compliance with Metro 2 guidelines, so You must make sure all fields are filled out correctly according to those standards PRIOR to adding anything to my credit profile! Viewing XXXX XXXX ( XXXX ) demonstrating {$6900.00} 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. I want to bring to your attention Creditor Remarks ( XXXX ) reporting Account information disputed by consumer under the Fair Credit Reporting Act. 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. When I scrutinized High Balance ( XXXX ) presenting {$6900.00}. 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 compliant. Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian I was recently looking at my credit report and found an alleged hard inquiry on it. I was shocked because I didn't authorize anyone to access my credit information. According to the Fair Credit Reporting Act, no one is allowed to access your credit information without your permission. So I'm asking you to provide me proof that this company had permission to access my credit information. If you can't provide that proof, then please delete the alleged inquiries immediately. XXXX, XXXX XX/XX/XXXX Experian .It seems that a few unfamiliar companies have put an inquiry on my credit report, but I'm not sure how they could have done that without my permission. The U.S. Code states that anyone who obtains a credit report must have a 'permissible purpose ' under the Fair Credit Reporting Act. Can you please remove this inquiry from my credit file, or provide me with documentation that shows you have a valid reason for making it? XXXX XX/XX/XXXX Experian I received a copy of my credit report and was shocked to find an alleged hard inquiry on it. As you know, this is not something that should have been reported, and if it was reported, then why did they let it happen? The Fair Credit Reporting Act states that no one may access your information without permission from you first, so please provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company. Otherwise, delete the alleged inquiries immediately. XXXX XXXX XX/XX/XXXX Experian I am writing to formally request that the credit inquiries listed here be deleted from my credit report. I have not authorized any of the companies listed to view my credit history, and as such, the inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). I would appreciate if you could remove them immediately. Faithfully According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, 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.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.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.

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 non-monetary relief