Consumer complaint received 2024-08-24 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:
I recently reviewed my credit profile and noticed inaccuracies and/ or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of 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 accounts allegations are UNVERIFIED, INCORRECT, and NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : *XXXX XXXX Account # XXXX account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my XXXX and Experian XXXX XXXX. Please DELETE for inaccuracies. 

*CCB/ALPCOS- Account # XXXX This account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my XXXX credit file. Please DELETE for inaccuracies. 

XXXX XXXX- Account # XXXX This account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my XXXX and Experian XXXX file. Please DELETE for inaccuracies. 

XXXX XXXX- Account # XXXX ( DEROGATORY ) This account report multiple inaccuracies, persuant to 15 USC 1692c ( c ) This account has been paid and on time, has never been late and should not be reporting negatively on my credit file.I am invoking my specified remedy as a consumer, and the original creditor I am demanding for this account to be deleted immediately from my XXXX credit XXXX. Please DELETE for inaccuracies. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

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