Consumer complaint received 2024-02-29 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: MO

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated 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. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that 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. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, 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. 

Summary of Accounts being challenged in list form XXXXXXXX XXXX XXXXXXXX - Account XXXX Please ensure that all information is accurate, if not, REMOVE it on my account. 

XXXX XXXX - Account XXXX Why are you reporting this inaccurate account? The dates were so inaccurate across all bureaus. Please remove this right away! 

XXXX XXXX  - Account XXXXXXXX XXXX XXXX - Account XXXX Why are you reporting this inaccurate account? The dates were very inaccurate across all bureaus. Please remove this right away! 

XXXX XXXX - Account XXXX DELETE on my account ASAP. 

XXXXXXXX XXXX- Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting XXXX percent accurate, please remove them from this account and update the account as? paid as agreed. 

XXXX - Account XXXX Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX XXXX - Account XXXX Please Update all payments, all pay was made on time. 

XXXX - Account XXXX Please ensure that all information is accurate XXXX - Account XXXX This is absurd! Why are you reporting an incomplete account? DELETE IT IMMEDIATELY!

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