Consumer complaint received 2024-12-16 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: MI

Complaint narrative:
I hereby demand the immediate and permanent expungement of the following claims. These claims are unproven, improperly recorded, unverifiable, invalid, untrue, inaccurate, incomplete, inadequately integral to mandated standards, untimely proclaimed, and lacking testimonial proof to demonstrate known ownership or responsibility. They are inconsistently reported, deficiently announced, questionably described, and appear to deviate from the Metro 2 Standard of ethical, lawful, and compliant reporting. This pertains to any delinquent, derogatory, or otherwise negative claims professed against me as the consumer. 

Remove immediately and permanently any negativity related to the following : Consumer 's Primary Name : XXXX XXXX XXXX Consumer 's Other Name ( s ) : -- Consumer 's Current Residence : XXXX XXXX XXXX XXXX XXXX, MI XXXX Consumer 's Previous Residence : -- Consumer 's Reported Employer ( s ) : -- Consumer 's Birth Year : XXXX Consumer 's Reported SSN : XXXX Specific Claims to Be Removed XXXX XXXX XXXX  alleged on XX/XX/XXXX Unconfirmed, not proven with adequate permissible purpose, and/or not certifiably compliant. 
XXXX XXXX XXXX XXXX XXXX alleged on XX/XX/XXXX Unconfirmed, not proven with adequate permissible purpose, and/or not certifiably compliant. 
XXXX XXXX XXXX XXXX alleged on XX/XX/XXXX Unconfirmed, not proven with adequate permissible purpose, and/or not certifiably compliant. 
XXXX XXXX XXXX alleged on XX/XX/XXXX Unconfirmed, not proven with adequate permissible purpose, and/or not certifiably compliant. 
XXXX XXXX XXXX XXXX alleged on XX/XX/XXXX Unconfirmed, not proven with adequate permissible purpose, and/or not certifiably compliant. 
XXXX XXXX XXXX alleged on XX/XX/XXXX Unconfirmed, not proven with adequate permissible purpose, and/or not certifiably compliant. 
XXXX XXXX XXXX alleged on XX/XX/XXXX Unconfirmed, not proven with adequate permissible purpose, and/or not certifiably compliant. 
XXXX XXXX XXXX XXXX alleged on XX/XX/XXXX Unconfirmed, not proven with adequate permissible purpose, and/or not certifiably compliant. 
XXXX XXXX XXXX XXXX XXXX  alleged on XX/XX/XXXX Unconfirmed, not proven with adequate permissible purpose, and/or not certifiably compliant. 
XXXX XXXX XXXX  XXXX alleged on XX/XX/XXXX Unconfirmed, not proven with adequate permissible purpose, and/or not certifiably compliant. 
XXXX XXXX XXXX  XXXX Alleged Late XXXX  Complaint Statement I hereby quarrel against the reporting privilege related to the claims noted above. These claims remain unverified, untrue, incomplete, non-compliant, and possibly deviating from the Metro 2 Standard for lawful and ethical reporting. 

This letter does not constitute a dispute over claim verifiability or validation, nor is it an acknowledgment of the claims. Instead, this is a formal complaint contesting the conditional privilege of the data furnisher ( s ) to report such claims if they are unable, unwilling, or untimely in meeting the mandatory requirements for lawful reporting. 

I formally accost all data reporters and repositories to prove, by cataloged demonstration, the use of a certifiable, compliant reporting process. This includes adherence to the mandatory Metro 2 data-filled field formatted reporting standards. Any deviation or omission jeopardizes the integrity of the claims made and fails to meet the federal requisites for maximum accuracy and completeness. 

Unproven or non-compliant reportingeven of verifiable claimsfails to satisfy the CDIA 's enacted CRRG minimums for adequate consumer credit data reporting. Collectability does not equate to reportability. 

Non-Compliance and Its Implications Reporting in any of the following manners is illegal : Unproven Accuracy : Your reporting is unproven to be accurate, making it legally invalid. 
Unproven Correctness : Your reporting is unproven to be correct, violating regulations that demand irrefutable accuracy. 
Unproven Completeness : Your reporting is unproven to be complete, breaching regulations that mandate precise and consistent data. 
Unproven Timeliness : Your reporting is unproven to be timely, violating the requirement for up-to-date information. 
Unproven Ownership : Your reporting fails to demonstrate that the claim pertains to me, invalidating its legality. 
Unproven Responsibility : Your reporting does not confirm that I am responsible for the claim. 
Non-FCRA Compliance : Your reporting is non-compliant with FCRA standards, rendering it unlawful. 
Non-Metro 2 Compliance : Your reporting fails to meet the Metro 2 data field formatted standards required by CDIA regulations. 
Final Demand REMOVE THESE CLAIMS IMMEDIATELY AND PERMANENTLY. 

Failure to comply will result in formal complaints filed with : Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX State Attorneys General ( both yours and mine ) Any additional governing bodies or legal entities Further non-compliance will necessitate a Letter of Intent to Suit ( LOITS ) for all damages caused by non-compliant reporting practices.

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