Consumer complaint received 2024-04-01 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: CA

Complaint narrative:
This letter functions as my lawful and rightful consumer notification of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this declaration represents my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately established a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository!

Sir/Maam, I am writing you with this formal objection of claim ( s ) as reported when reported and a call for appropriate report modification ( s ) on your part. You are inappropriate reporting incorrectly to the main three credit reporting repositories and damaging my credit. You are with infraction ( s ) of the FCRA aka the Fair Credit Reporting Act. The dishonorable behavior ( s ) may well be subject to fines and damages. I am providing you but this one last opportunity for resolution of this alleged credit circumstance. Previously, I had sent you a letter advising you that you were incorrectly reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to ensure only compliant information is retained on my file. Due to your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it seems that my forwarded note was shockingly derided.

Impugn from reporting now or correct as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the unethical claims following : The above, as displayed above, constitutes again as yet another rightful attempt on my part to work with you so together we can better resolve this issue before I have no other choice other than consider taking legal action versus you seeking not only monetary damages and awards versus you but as well penalties withstanding for each all and any of your injurious, negligent, reckless, non-compliant reported items of sophistry, be it. Your reporting indiscretions are costing me unfair denials of credit, and unjustly higher interest rates. I am outlining to you the following possibilities for adequate rectification ( s ) : So, we are each in clarity, please understand that I will accept no less than the confirmed regulatorily compulsory reported lawfully compliant claim ( s ) information versus me to be alleged yet uncontested. All claims MUST be to a maximum POSSIBLE ACCURACY and MAXIMUM POSSIBLE COMPLETENESS, yet these claim ( s ) aspects are more exposing of reporting deviations or inadequacies elsewise, each potentially jeopardizing the integrity of the claim ( s ) alleged ( SEE CDIAs CRRG 3-4 ). In fact, I will allow you up to 7 days from the receipt of this letter t o acknowledge and modify with undeniable adequacy and fairness muchless with sure maximum possible correctness and completeness in total compliance of reporting requirements expectable of and from you, else legal action may well be the direction I have elected to have then taken. If I take legal action, I can suggest confidently that you that the cost will be much more damaging to your company. It will benefit both parties to take immediate action. By selecting one of the available options I have provided, I will consider this matter settled and pursue no further action ( s ). I must solicit for the affirmation ( s ) of certifiably compliant reporting in agreement with each any and all aspects o f I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently dubious as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Explain now the Proof each any and all claim ( s ) Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX P.s. My NEXT letter will be a notification of my LOITS!! So that you do not need for a legal dictionary, a LOITS notice is a Letter Of Intent To Suit! You BEST be PROVEN COMPLIANT to ALL requirements and standards of FCRA XXXXOMPLIANCE and also of the implemented CRSA enacted CDIA implementedMetro2 Compliance mandates as well. I will demand verification that each employee at your firm which MIGHT have seen or conducted any business on the file you allege mine has been properly trained by a certified and qualified instructor of the Metro 2 data field formatted reporting standards. I am NOT shy in detailing Page 2 of 4 my DOUBTS you can withstand the requisites to survive a court hearing versus me as I leverage your DEFICIENCIES for a slew of victories being awarded a minimum of {$1000.00} PER VIOLATION PER TIME, and there certainly appears to be a bucket full. So, lets do this! Anything OTHER than your letter describing to me that you have already begun or completed the annulment of these unproven claims versus me and have eradicated ENTIRELY any and all aspects of records of what you allege being mine ( yeah! ) will IMMEDIATE compel me to assume your hostile to my demands of proper reporting and I will assume that your ignorance of appropriate and adequate duties are willful and intentionally injurious. Being such, civil suits are obvious however criminal charges are not out the question, particularly if your chicanery-led subterfuge brings forth or allows.

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