Consumer complaint received 2025-10-28 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:
My First and Last Name is and ONLY is My Address Street Number , Street Name, City, and State is and only is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Trans Union XXXX XXXX XXXX XXXX, PA XXXX Resource for Report Information is : XXXX XXXX XXXX My Date of Birth is and only is XX/XX/XXXX My current Legally acquired lawful Social Security Number last four is and only is XXXXXXXX XXXX  I demand that any OTHER personal identifier be removed from reporting as it does NOT MATCH unequivocally my correct regnant CORRECT as expected as I have detailed above. It is MY RIGHT to DENY YOU AUTHORITY TO REPORT of verifiability of validation of only true CORRECT replete TIMELY CLAIMS which as well are COMPIANT IN their reporting, even to the mandatorily perfect and certified XXXX XXXX format reporting standard ( s ) of compliance! 
My Personal Tracking Number is XXXX XXXX XXXX XXXX XXXX TO : Trans Union XXXX XXXX XXXX XXXX, PA XXXX AND XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX XXXX : Problem with Credit Inquiry ( ies ) of proof of validity and of certified compliance of reporting, particularly as related to the mandatory XXXX  XXXX format reporting standard ( s ).

To Whom it Concerns, Recently I found several issues with the noted credit inquiry ( ies ) and injurious versus me on my credit report that I have NO knowledge of any noted proof of the required physically verified proof of valid permissible purpose much less demonstrated certified compliance of reporting even to the required XXXX XXXX format reporting standard ( s ), hence my check for veritably perfect and lawful reporting and my challenge contesting ANY DEFICIENCY of reporting or PROOF OF MANDATED ASPECTS OF REPORTINGas is my consumer RIGHT TO DEMAND that only PROVABLE confirmed and COMPLIANT claims report versus me and my RIGHT TO FORCIBLY DEMAND ERADICATION of any claim ( s ) not compete and perfect in its evidence of verifiability, validity and or compliance of reporting. I can and will in a court of civil action versus you provide ample document evidence supporting the FACTS Page 1 of 18 of your QUESTIONABLE REPORTING and as well clarity that indeed I followed the exact official notice of the law and contacted the Credit Bureaus ( Trans Union/ExperianXXXX XXXX and OTHERS in complaint versus and contesting the certified compliance of the validity of these claims of Inquiry ( ies ) and any derogatory debt or delinquencies related, if any at all. I ALSO contacted the creditor ( s ) and or data furnisher ( s ) directly checking for compliant reporting evidence and contesting any claim in ANY MANNER as PERFECT CORRECT intact PROVABLE VALID COMPLIANT CLAIMS are the MINIMUM REQUIREMENT for lawful reporting ( s ) not an OPTIONAL condition of it. Several representatives were not even capable of informing me that the name ( s ) and other personal identifier as listed on the inquiry ( ies ) and associated accounts ( if any ) did not match my submitted credibly correct personal identifier most accurately as I have included at the top and near bottom of this exact of deficiencies such as issues with name spelling or other identity indicators others could not provide me with any about the application because their firms DID NOT retain the on this inquiry. I attempted to contact the three credit reporting agencies to speak with someone about this problem, and the facts that the was either not retained by the creditors or not mine or else wise is significantly invalidly. I contacted each CRA and was informed that their records were correct they declined to substantiate the claim and informed me I could file a fraud report If I WISHED! In response, I am firing off this last resort requesting your appropriate actions to resolve this matter PREVIOUS my soon to be filed civil complaint and lawsuit ( s ).

Since your firm has knowingly violated both federal and state law, I am demanding that you CEASE all reporting activities IMMEDIATELY! Stop at once reporting the debt in question to any and all Credit Report and delete it from my credit report at once.

Below listed are the questionable if not altogether erroneous inquiries you are reporting, each of which REQUIRES ERADICATION from reporting IMMEDIATELY and PERMANENTLY : 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  Please utilize the following KEY to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required BSCF Base Segment Character Format HRCF Header Record XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX  Trailer Record HRPF Header Record Packed Format XXXX Base Segment Packed Format XXXX  Trailer Record Packed Format XXXX Data Furnisher # XXXX XXXX Data Furnisher # XXXX XXXX XXXX  TransUnion essentially stands for Not XXXX Translated within Cra/and or is Unknown F XXXX  Experian XXXX XXXX Missing but Required Reported E Potential Error I Inconsistent N Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not Attack mx Mixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Fair Credit Reporting Act 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open NEGATIVE Other/Unknown Accounts DELINQUENCY LATE ( s ) -related accountsXXXX TransUnion XXXX  XXXX Data Reporter Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Experian Late1-2 XXXX Page 2 of 18 XXXX  XXXX accuracy and or compliance standards. 
As for the item questioned above, XXXX Code : reported as Paid for Experian, Closed for Trans Union, and as Paid for XXXX  are one, two, or each in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per CRRG3-4 ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any XXXX XXXX Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent!

In regard to item questionably reported above, please note that Account Cycle Identifier : is reported as Not Reporting for Experian, Monthly ( every month ) for Trans Union, and as Not Reporting for XXXX  are one, two, or each apparently in potential deviation from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per CRRG3 - 4 ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any XXXX XXXX Field nor else wise in regard to this mandatorily accurately depicted data field. 
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 Mixed NEGATIVE MEDICAL CHARGEOFF/COLLECTION-related accounts TransUnion Experian XXXX XXXX XXXX Data Reporter Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
* XXXX Data Reporter Street Address D XXXX XXXX 
* XXXX Data Reporter City, XXXX XXXX XXXX XXXX XXXXode D XXXX, OH, XXXX.. 
* XXXX Data Reporter Telephone Number D XXXX.. 
* XXXX Data Reporter Identification Number D XXXX.. 
^XXXX^ Item 's Subscriber Number D XXXX I XXXXXXXX XXXX XXXX XXXX XXXX XXXX Activity Date D XX/XX/XXXX I XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Name Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Cycle Identifier XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Account Reported : XXXX XX/XX/XXXX I XX/XX/XXXX I -- -- * XXXX Portfolio Type ( Account Type Detail ) : D -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Current Balance :.. 
{$2100.00} .. {$2100.00} XXXX XXXX XXXX XXXX Date of Account XX/XX/XXXX I XX/XX/XXXX XXXX XXXX XXXX  Page 15 of 18 Balance XXXX XXXX XXXX XXXX Scheduled Monthly Payment Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Terms Frequency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Terms Length XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Limit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Highest Credit :.. 
{$2100.00} .. {$2100.00} .. -- -- * XXXX Date of Last Payment : D -- M -- M -- -- * XXXX Amount of Last Payment Received XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Past Due Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Condition : XXXX Derogatory XXXX  Derogatory XXXX XXXX XXXX XXXX XXXXXXXX Account Credit Limit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account High Balance/Original Balance :.. 
{$2100.00} .. {$2100.00} .XXXX XXXX XXXX XXXX  Account 's Date Opened : XXXX XX/XX/XXXX I XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account 's Closed Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Type : XXXX  Other Collection Agencies Q Other Collection Agencies XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX * XXXX Account Ownership Type :.. 
Individual.. Individual .XXXX XXXX XXXX XXXX XXXXXXXX Account Status : XXXX Open I Closed XXXX XXXX XXXX XXXX^ Account Status Information : XXXX  Derogatory XXXX  Derogatory XXXX XXXX XXXX XXXX Account Rating : XXXX  Derogatory XXXX  Derogatory XXXX XXXX XXXX XXXX  Payment Status : XXXX  Collection/Chargeoff XXXX  Collection/Chargeoff XXXX XXXX XXXX XXXX XXXXXXXX Payment Rating : .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Account Information : XXXX XXXXXX/XX/XXXX I XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Code : XXXX  Derogatory XXXX Derogatory XXXX XXXX XXXX XXXX XXXX Account Dispute Status :.. 
Account not disputed .. Account not disputed .XXXX XXXX XXXX XXXX Date Last Verified : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Remarks : XXXX  Dispute resolved; reported by grantor I Account was in dispute - now resolved - reported by subscriber. -- -- Page 16 of 18 I Two-Year Payment History TransUnion Experian XXXX  None Reported None Reported None Reported XXXX XXXX  XXXX reported with XXXXXXXX XXXX XXXX XXXX XXXX  and alleged to be XXXX  Alleged is reported in deficiency of reporting mandates and or rites therefore the sophism must be eradicated as is my de jure requested resolution, please do so HERE AND NOW! This claim has reported ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : Bearing attention to the item questioned above, Date of Last Payment : Experian, Not Reporting for Trans Union, and as reported as Not Reporting for Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the XXXX XXXX XXXX 's mandatorily utilized XXXX XXXX Format standards, and as such are XXXX or more likely deficient of its exigency of reporting edict, and as such are XXXX or more for all intents and purposes deficient of its exigency of reporting Appropriateness! 
In regard to item questioned above, Account Type : Reporting for Trans Union, and as reported as Not Reporting for Experian, Not Not Reporting for XXXX and as such are one or more seemingly deficient of its exigency of reporting commensurateness and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted privilege to report. 
In regard to item questioned above, Creditor Type : Experian, reported as Other Collection Agencies for Other Collection Agencies for Trans Union, and as Not Reporting for XXXX and as such are one or more having the appearance of being substandard of its exigency of reporting precept and or decorum elsewise! I here now file a written preemptory even insistent demand to and for the acusador posturing as if were a lawfully righted data reporter despite there only existing a potentially achievable very conditional PRIVILEGE TO REPORT. Further, I appeal for each any and all of the accepting data reporting repositories to factually attest to ( thereby corroborating ) at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted benefit to report.

In regard to item questioned above, Data Reporter Identification Number Experian, XXXX for Trans Union, and as reported as Not Reporting for Not Reporting for XXXX  and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a XXXX XXXX non for compliant reporting and as such are one or more apparently deficient of its exigency of reporting sufficiency and or decree ( 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 If your firm does not COMPLY in writing to this CEASE and DESIST within 5 days I will not hesitate to bring suit against your firm in this matter as in the example of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
Page 17 of 18 I submitted IN WRITING a Validation request under the FCRA title 611, this request was ignored by the creditors in question, when I called back and demanded to speak to a supervisor to find out the status of the Validation demand that I had filed, I was informed by a person who stated that HE was a supervisor, but refused to provide me with his operator number or extension, that THEY were not required by the FCRA to provide any VALIDATION.

I have followed the note of the law yet the credit reporting agencies have ignored and refused to address my legitimate problemcan you help? Better yet, WILL YOU?

PLEASE!! 
Sincerely, My First and Last Name is and ONLY is XXXX XXXX My Address Street Number , Street Name, City, and State is and only is XXXX XXXX XXXX XXXX XXXX XXXX FL 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