Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX New York XXXX XX/XX/XXXX To whom it may concern, It is clear that the claim made against me is unjust and has caused significant harm to my personal, emotional, and financial well-being, as well as my creditworthiness. I am challenging your assumed privilege to report this claim and requesting proof that your reporting practices are ethical, lawful, and compliant with all necessary requirements. My concern is not with the right to collect, but with the apparent lack of fair reporting practices in relation to the specific claim made against me. 

I am challenging all data reporting furnishers and receiving repositories to provide physical documentation demonstrating their compliance with all reporting processes, including adherence to the XXXX 's most recent industry standards and applicable federal and state regulations. Any deviation from these standards jeopardizes the integrity of the data, and it is not acceptable for entities to report or accept reporting that is non-compliant, whether done knowingly or unknowingly. The minimum standard for reporting is maximum possible accuracy and completion within perfect fidelity to the mandated Metro XXXX format reporting standards as outlined in the XXXX 's most current XXXX. All data reporting furnishers and receiving repositories should have been compliant in the reporting process, and any deviation from these standards is unacceptable. 
Listed below are the Accounts that are being challenged CHRYSLERCAP - XXXX XXXX Installment Balance : {$0.00} Account # XXXX XXXX Credit Limit XXXX - (! ) Last Reported XX/XX/XXXX (! ) Account XXXX XXXX XXXX (! ) High Credit XXXX {$15000.00} (! ) Date Last Active XXXX XX/XX/XXXX (! ) Account XXXX XXXX XXXX (! ) XXXX XXXX {$0.00} (! ) Date of Last Payment XXXX - Account Status XXXX Closed Past Due XXXX - Date Opened XXXX XX/XX/XXXX XXXX Code Joint Account (! ) Monthly Payment XXXX {$0.00} (! ) 7 Year XXXX XXXX : XXXX XXXX : XXXX XXXX (! ) Payment Status XXXX Pays account as agreed (! ) No. of Months ( terms ) XXXX Monthly ( due every month ) (! ) Comments XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION I was never late on this item- This is paid as agreed and should not be reporting negatively on my report. 

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 - XXXX for additional areas of concern. 

Upon reviewing Account XXXX ( XXXX ) : Installment, I wish to emphasize the utmost importance of ensuring that the data within your records aligns rigorously with industry standards for precision. It has come to my attention with great concern that there are deviations from obligatory regulations and compliance protocols pertaining to this account. It is evident that an inadvertent error XXXX have occurred ; thus, I kindly request the expeditious removal of this account and urge prompt rectification to prevent further potential consequences. 

We would like to bring to your attention that the reported Account XXXX XXXX : Installment appears to be inconsistent across the three credit reporting agencies. It is crucial to adhere to the Metro 2 standards to ensure precise data reporting. Any deviation from these mandatory fields would jeopardize the integrity of all reported information. Therefore, we urge you to take swift action to address the apparent inaccuracies as it calls into question the entire account. Your cooperation in this matter is highly appreciated.

Let us now turn our attention to the reporting of Bureau Code : Joint Account within the report. It has come to my attention that there might be an issue with the data reported, as it fails to meet the stipulated standards. It is evident that the accuracy of the data may be compromised due to deviations from the required specifications. As you are already aware, the reporting of all data fields must strictly adhere to the established Metro 2 standards. It is of utmost importance that no deviations from these requirements are tolerated. 

We kindly bring to your attention that the reported Payment Status ( XXXX ) : Pays account as agreed may potentially be in contravention of the mandated standards for precise reporting. As per the Metro 2 guidelines, it is imperative that all fields are meticulously filled out in strict adherence to the required compliances. We would greatly appreciate your swift attention to this matter and request that the inaccurate record be promptly removed from our report or substantiated by evidence of your compliance with the applicable standards.

We would like to bring to your attention that the reported Credit Limit ( XXXX ) : N/A has been listed as derogatory on all three credit reports. It is paramount to ensure that the information in your records complies with all industry standards for accuracy. We are surprised to note deviations from mandatory regulations and compliance guidelines for this account, which is concerning. It is apparent that there must be some kind of error, and we kindly request that you take immediate action to delete this account to prevent any further damage. We urge you to rectify this matter without delay. 

Upon careful examination of the High Credit ( XXXX ) : {$15000.00}, it is of utmost importance that the information contained within your records adheres rigorously to industry standards, ensuring accuracy as mandated. It is disconcerting to observe deviations from obligatory regulations and compliance protocols associated with this account. The existence of such discrepancies suggests the possibility of an inadvertent error, prompting a request for the expeditious removal of this account from the records. I kindly implore you to rectify these discrepancies expeditiously to mitigate any potential harm. 

I am writing to formally contest the accuracy and compliance reports pertaining to the account identified as Balance ( XXXX ) : {$0.00} upon careful examination. I hold the belief that there may exist certain discrepancies in the manner in which this account has been reported, potentially leading to erroneous assumptions that could have an impact on future loan applications or decisions. Consequently, I kindly request that you furnish substantiation demonstrating that all appropriate procedures were duly adhered to, ensuring that our records maintain precise and reliable information with regard to my personal details.

I am writing to express my concerns regarding the accuracy and compliance reports pertaining to the account associated with Monthly Payment ( XXXX ) : {$0.00}, which I have thoroughly inspected. It has come to my attention that there may be certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could impact future loans or decision-making. I kindly request you to furnish evidence demonstrating the adherence to all appropriate procedures, ensuring that our records maintain precise and reliable information pertaining to my personal details. 

Allow us to direct our attention to the reporting of No. of Months ( terms ) ( XXXX ) : XXXX ( due every month ) within the report for careful examination. It has come to our attention that there is a potential issue with the reported data, as it does not meet the prescribed standards. The observed deviations from the required criteria may compromise the accuracy of the data in question. As you are undoubtedly aware, it is essential to ensure that all data fields are reported in full compliance with the established Metro 2 standards. Deviation from these requirements is not permissible under any circumstances, as it is imperative to maintain strict adherence to these guidelines. 

We have observed that the reported Last Reported : XX/XX/XXXX may not adhere to the requisite standards for precise reporting. According to the Metro 2 guidelines, the reported information appears to fall short of the mandated standards. We kindly request that you ensure that all fields are accurately filled out and comply with the regulations before incorporating any data into my credit profile. We respectfully ask that you either remove this erroneous record from my report or provide verifiable evidence of your compliance with the applicable standards. 

Upon reviewing the information pertaining to Date Last Active ( XXXX ) : XX/XX/XXXX, I would like to emphasize the utmost importance of ensuring that the data contained within your records strictly adheres to the established industry standards governing accuracy. I am deeply concerned to observe deviations from the obligatory regulations and compliance guidelines associated with this particular account. It is evident that an inadvertent error has occurred, and I kindly request that you promptly remove this account from your system. I implore you to rectify this situation without delay to mitigate any further potential consequences. 

It has come to my attention that the reported 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX across all bureaus does not meet the requisite standards with regard to reporting requirements and decorum. I am reaching out to request an explanation for the discrepancies observed in your account 's reported information, which appears to be inaccurate or inconsistent with the established XXXX reporting standards. I would appreciate prompt and immediate resolution of these issues to ensure compliance with the mandated guidelines. Thank you for your attention to this matter. 

I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that 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 my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action. 

Thank you for your time and help in this matter. 

Sincerely, XXXX 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