Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
The deletion or suspension of accounts following a data breach and unauthorized inquiries aligns with FCRA Section S 605B, addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. S 1681 c-2 ]. FCRA Section S 604, outlining permissible purposes of consumer reports [ 15 U.S.C. S 1681 b ], also applies in this context. 
I am writing to formally dispute accounts detailed in my consumer credit report, as referenced below, stemming from data breaches or fraud. I insist on concrete, verifiable evidence bearing my signature or electronic signature. This communication represents my personal request, necessitating thorough review. Such actions, taken without my authorization, infringe upon my consumer rights, as articulated in Fair Credit Reporting Act Section S 605B [ 15 U.S.C. S 1681 c-2 ] and Fair Credit Reporting Act Section S 604 [ 15 U.S.C. S 1681 b ]. 
My outreach to the involved companies has revealed that these actions were initiated without adequate validation or presentation of original evidence from any of the reporting entities. This discrepancy underscores the necessity of addressing the issue promptly and in accordance with the relevant regulations. 
Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your records contain inaccurate and outdated personal information about me, including but not limited to : Incorrect addresses Inaccurate names or aliases Erroneous employment information I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. S 1681 i ( a ). - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter I would like to bring to your attention the current inaccuracy in my account details Employer - XXXX XXXX that is present in your records. It is disappointing to note that the information does not meet the minimum standard for accuracy, which has caused me great inconvenience. I urge you to update your records promptly to avoid any legal action that may arise due to this issue. I value accuracy in financial records, and inaccurate information has no place in either your records or on my credit report. Hence, I demand that the incorrect data be removed without any delay. 
Employer - XXXXXXXX XXXX Your records contain inaccurate and outdated personal information about me, including but not limited to : Incorrect addresses Inaccurate names or aliases Erroneous employment information I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. S 1681 i ( a ). - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter Dear Employer, I kindly request that you update your records as soon as possible, as I have noticed they are currently inaccurate and do not meet the minimum standard for accuracy. It is crucial to correct any inaccurate data promptly to avoid any potential legal action. Having inaccurate information on both your records and my credit report is unacceptable, and I demand that it be removed immediately. 
Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Your records contain inaccurate and outdated personal information about me, including but not limited to : Incorrect addresses Inaccurate names or aliases Erroneous employment information I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. S 1681 i ( a ). - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter Incorrect Previous Address : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX I am writing to request your urgent attention to a matter of concern that has come to my attention regarding my credit file. It appears that an address is currently listed on my file that is neither my current address, nor is it deliverable by the United States Postal Service. As such, I am concerned that this inaccurate information may put me at risk of identity fraud, and I respectfully request that you take immediate action to remove this address from my credit file. Please be advised that any delay in addressing this matter could have serious legal implications, and your company may be held responsible if this incorrect information remains on my file. Furthermore, I must emphasize that I have never resided at this address, and I have no association with it whatsoever. Therefore, I kindly request that you remove this personal information from my credit file, as it is inaccurate and incomplete. 
Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL XXXX Your records contain inaccurate and outdated personal information about me, including but not limited to : Incorrect addresses Inaccurate names or aliases Erroneous employment information I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. S 1681 i ( a ). - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter It is of utmost importance that your personal information, reflecting the latest updates, adheres to the standards of accuracy, timeliness, and verifiability. Failure to possess the appropriate documentation for your credit profile may result in non-compliance with the Fair Credit Reporting Act ( FCRA ) or Metro 2 standards. Therefore, I kindly request that you remove any address within your system that does not align with my specific address of, Ensuring such alignment will not only support compliance but also contribute to the integrity and reliability of the information contained within your records. Your cooperation in rectifying this matter in a prompt and diligent manner would be greatly appreciated. 
Incorrect DOB : - XXXXXXXX  Your records contain inaccurate and outdated personal information about me, including but not limited to : Incorrect addresses Inaccurate names or aliases Erroneous employment information I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. S 1681 i ( a ). - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter I would like to kindly request the removal of my birthday information from my credit file associated with Incorrect DOB : and XXXX. It has come to my attention that there may have been an inadvertent mixing or merging of my personal information with that of another individual 's file. As such, I would greatly appreciate it if you could take the necessary steps to rectify this error and ensure the accuracy of my credit file. Thank you for your assistance in this matter. 
Incorrect Name : - XXXX XXXX XXXX Your records contain inaccurate and outdated personal information about me, including but not limited to : Incorrect addresses Inaccurate names or aliases Erroneous employment information I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. S 1681 i ( a ). - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter Incorrect Name : - XXXX XXXX XXXX I kindly request that you proceed with the deletion of any names within your system that do not correspond to mine. Ensuring the accuracy of the database concerning my personal information is of utmost importance to facilitate seamless future transactions. Hence, I sincerely appreciate your cooperation in eliminating any names that do not precisely align with XXXX XXXX. Your prompt attention to this matter will be highly valued. 
Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Your records contain inaccurate and outdated personal information about me, including but not limited to : Incorrect addresses Inaccurate names or aliases Erroneous employment information I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. S 1681 i ( a ). - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter Kindly be informed that the sole address at which I can be reached is, situated in the city of,, bearing the postal code. I would greatly appreciate your prompt attention to verifying and rectifying any instances in your records where an address inconsistent with the aforementioned details may have been erroneously recorded. It is of utmost importance that any such entries be expeditiously removed, thereby ensuring the integrity and accuracy of the database with regard to my personal information. 
XXXX XXXX XXXX  - XXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. XXXX. Unauthorized ReportingLet me be perfectly clear : l, XXXX XXXX, NEVER authorized XXXX, Experian, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. S 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. S 1681 b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law. - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter I would like to express my dissatisfaction regarding the compliance reporting standards and relevant consumer laws documentation, or lack thereof, provided to me in relation to my account with XXXXXXXX XXXX XXXX XXXX XXXX. The absence of such documentation represents a significant inadequacy that may have implications for both of us. 
I kindly request that you promptly provide me with the documented evidence of compliance reporting standards and relevant consumer laws, or else remove the current report that is deemed flawed and incorrect. Failure to do so may result in legal action for non-compliance with the legal requirements governing these matters. 
It is of utmost importance that we are aware of the relevant documentation required to ensure compliance and avoid potential issues in the future. Any lack of accurate information may lead to preventable issues down the road. Therefore, I urge you to address this matter with the utmost urgency. 
XXXX XXXX XXXX XXXXXXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. XXXX. Unauthorized ReportingLet me be perfectly clear : l, XXXX XXXX, NEVER authorized XXXX, Experian, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. S 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. - THIS IS NOT a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter. 
I am writing to express my profound disappointment regarding the current status of the information associated with XXXX XXXX XXXX XXXXXXXX within your database. It has come to my attention that the data is not up-to-date and fails to adhere to the minimum standards of accuracy that one would expect. I feel compelled to bring this matter to your immediate attention, as the presence of incorrect and incomplete information within your database and on my credit report is both unacceptable and incongruous. In light of these concerns, I respectfully request that you take immediate action to rectify this situation. Failure to do so in a timely manner may leave me with no alternative but to explore legal remedies. I firmly believe that data integrity is paramount, and as such, I kindly ask for the expeditious deletion of the inaccurate information from your database. 
XXXX XXXX XXXX XXXXXXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. XXXX. Unauthorized ReportingLet me be perfectly clear : l, XXXX XXXX, NEVER authorized XXXX, Experian, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. S 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. - THIS IS NOT a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter. 
I am disappointed that the documented proof of compliance reporting standards and applicable consumer laws has not been provided. This is a significant deficiency that needs immediate attention. I respectfully demand that the flawed and inaccurate report be deleted immediately. Otherwise, legal action may ensue against your company for failing to meet certain legal requirements regarding these matters. It is crucial to have accurate information to avoid any potential issues that could have been prevented with proper care and attention to detail. Please take this matter seriously. 
Additionally, please refer to the image above for XXXX XXXXXXXX - XXXX for additional areas of concern. 
XXXX XXXX - XXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. 1. Unauthorized ReportingLet me be perfectly clear : l, XXXX XXXX, NEVER authorized XXXX, Experian, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. S 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. - THIS IS NOT a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter. 
I regret to inform you of my profound disappointment with the state of the information pertaining to XXXX XXXX and XXXX in your database. It has come to my attention that the data provided lacks currency and fails to meet the essential benchmarks of accuracy. I must emphasize the urgency of rectifying this situation promptly, as failure to do so may leave me with no recourse but to pursue legal avenues. I firmly believe that your database should not house inaccurate or flawed information, particularly when it pertains to my credit report. I therefore implore you to expeditiously remove the erroneous data from your records. 
XXXX XXXX XXXXXXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. XXXX. Unauthorized ReportingLet me be perfectly clear : l, XXXX XXXX, NEVER authorized XXXX, Experian, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. S 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. - THIS IS NOT a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter. 
I am writing to express my profound dissatisfaction with the current state of the information pertaining to XXXX and XXXX within your database. It is disheartening to note that the provided data lacks currency and fails to adhere to the essential benchmarks of accuracy. I implore you to address this matter with the utmost urgency. Failure to rectify this situation in a timely manner may leave me with no choice but to pursue legal recourse. It is imperative to emphasize that erroneous and flawed data should have no bearing within your esteemed database or on my credit report. Consequently, I earnestly request the immediate deletion of said information. 
XXXX XXXX XXXX XXXXXXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. XXXX. Unauthorized ReportingLet me be perfectly clear : l, XXXX XXXX, NEVER authorized XXXX, Experian, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. S 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. S 1681 b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law. - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter XXXX XXXX XXXX XXXXXXXX I hereby submit a formal request for the cessation of reporting pertaining to the mentioned account. I kindly request your diligent verification and validation of all the information contained herein, encompassing notations, dates, balances, compliance condition code ( s ), and any pertinent elements within the Metro 2 compliance segment and field ( s ). Your timely confirmation of the accuracy of these details would be greatly appreciated. 
XXXX XXXX XXXX XXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. XXXX. Unauthorized ReportingLet me be perfectly clear : l, XXXX XXXX, NEVER authorized XXXX, Experian, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. S 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. - THIS IS NOT a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter. 
Kindly be informed that the specified XXXX XXXX linked to XXXX has been brought to attention. Upon scrutiny, it is evident that the aforementioned item, as stated, exhibits one or more discrepancies from the mandatory standards governing ethical and regulatory reporting of such claims. According to CDIA guidelines, any deviation from the established standard raises concerns about the credibility of the reported data. The presence of certain indicators raises suspicions regarding potential deviations from the prescribed, certified Metro 2 format Standard ( s ) for reporting. 
XXXX XXXX XXXXXXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. XXXX. Unauthorized ReportingLet me be perfectly clear : l, XXXX XXXX, NEVER authorized XXXX, Experian, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. S 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. S 1681 b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter I am writing to bring to your attention the matter pertaining to the account details associated with XXXX XXXX XXXXXXXX. I must emphasize that the aforementioned data has not undergone any certification process to ensure compliance with recognized reporting standards. Consequently, it can not be guaranteed as accurate, current, or comprehensive. It is essential to acknowledge that this information may suffer from incompleteness, obsolescence, or lack of support. Therefore, I kindly request your assistance in promptly removing any erroneous or unsupported content from the aforementioned page. 
XXXX XXXX XXXX - XXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. XXXX. Unauthorized ReportingLet me be perfectly clear : l, XXXX XXXX, NEVER authorized XXXX, Experian, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. S 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. S 1681 b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter I would like to respectfully bring to your attention that the account identified as XXXX XXXX XXXX XXXX has been reported as an alleged XXXX, which has not been confirmed. I have received a section of a credit report indicating that the account number has not been reported or is not in compliance with the established standards for credit reporting agencies. This can raise concerns about the accuracy and integrity of the data being reported. It is important to adhere to the established standards for reporting data fields, including the account number, without any deviation, as emphasized in the report. Thank you for your attention to this matter. 
XXXX - XXXX This letter is a direct and unequivocal demand to address the blatant and illegal mishandling of my consumer report. You are unlawfully reporting and distributing my personal information, conducting unauthorized inquiries, and maintaining inaccurate data in violation of my rights under federal law. XXXX. Unauthorized ReportingLet me be perfectly clear : l, XXXX XXXX, NEVER authorized XXXX, Experian, or XXXX to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. S 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. S 1681 b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law. - This is not a requestit is a demand. Either you comply with your legal obligations and rectify these violations, or prepare to face the full extent of regulatory and legal consequences. You are legally obligated to provide written confirmation of all actions taken in response to this dispute. I expect this confirmation within 30 days of receipt of this letter I express my profound disappointment regarding your failure to provide documented proof of compliance with reporting standards and consumer laws. This deficiency is significant, and I insist on the immediate deletion of this flawed report. Failure to comply will result in legal action for non-compliance with the relevant legal requirements. It is of utmost importance that we have a comprehensive understanding of the content displayed in documentaries, as it enables us to anticipate and address potential issues that may arise in the future. These issues, which could have been prevented had there been a commitment to accuracy over mere convenience, should not catch us off guard. 
SEE attached documents

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