Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To whom it might concern, Delete now the following claim ( s ) one or more of being not certified compliantly reported, unverifiable, invalid, untrue, inaccurate, inadequately complete or incomplete to requisite standard, untimely reported, not proven by document proof to be of a known ownership of my responsibility, inconsistently reported, deficiently reported, questionably reported and or else wise appearing to potentially be a deviation of or from the Metro 2 Standard of ethical, lawful, and compliant reporting of delinquent, derogatory, and or else wise possibly negative claims alleged versus me as the consumer. Remove immediately and permanently any negativity related to : XXXX XXXX XXXX XXXX XXXX alleged on XX/XX/year> is unconfirmed, not proven with adequate Permissible Purpose, and or not certifiably compliant reported. 
XXXX XXXX XXXX XXXX XXXX XXXX alleged on XX/XX/year> is unconfirmed, not proven with adequate Permissible Purpose, and or not certifiably compliant reported. 
XXXX XXXX XXXX XXXX XXXX XXXX alleged on XX/XX/year> is unconfirmed, not proven with adequate Permissible Purpose, and or not certifiably compliant reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I here now contest the reporting privilege related t

o the claim ( s ) noted above and or below, of which to date is still not as of now to have been displayed with the required demonstratable nor otherwise proven yet necessary satisfying of at least the minimal criterion to report fairly. That is, more specifically i demand you immediately remove from reporting any claim not yet confirmed compliantly reported, untrue, incomplete, and or else wise not of regulation and or might be a deviation from the aforementioned required standards for certifiable compliant reporting. Again, this notice is not a dispute nor is it an argument against any claim 's verifiability nor its validation nor is this complaint an acknowledgement that either exists. Rather, this lawful consumer complaint is my contesting versus the data reporting furnisher ( s ) very conditional privilege to report if unable, unwilling, untimely, and or else wise deficient in satisfying at least the established minimal requisites for ethical and lawful reporting of consumer information. In this complaint, I here now challenge any such above-mentioned data reporter and or accepting repository of reported claims to prove by document demonstration that entity 's confirmed certifiable compliant reporting process, including no less than the perfect adhering to the mandatory utilized and perfect complete Metro 2 data-filled field formatted reporting standards, of which there can not exist a deviation from nor omitting from without jeopardizing the integrity of claims made. Questionable reporting fails the federal requirements for all claims to be factually of a maximum possible accuracy AND a maximum possible completeness, for the entity ( ies ) involved could of and should have been certifiably compliant in its reporting. Unproven and or Non- compliant reporting of even alleged verifiable and or so alleged Validatable claims fails to satisfy certifiably the CDIA 's enacted CRRG minimums for adequately reported consumer credit information.

Collectability does not equate necessarily to reportability. Compliance of reporting standards is not optional, but rather a mandatory condition for lawful and ethical reporting. My complaint is that there is not sucient evidence proving the reported claims of derogatoriness or delinquencies versus me are confirmed to be compliant in its reporting, a requisite to report. Delete now to become, retain, and or return to lawful required conditions satisfying the minimal criteria for even reporting legally. Do so now!

You are reporting inaccurate and incomplete information in regard to the above noted medical account. I demand that you contact the Medical facility, as I have already done, and demand a validation of the debt ( of course they cant provide the statement at this time ). Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA. Please complete your investigation of this Medical Collection and remove it because the provider can not validate the information you are reporting on my credit report. Surely, the claim ( s ) alleged versus me could have been reported in accordance to established CDIA standards and certifiably so, yet to date despite my request thereof and for, no such confirmation has been documented nor any testament made to such! In consideration of the aforementioned potential derelictions, willful or in ignorance, I contest the reportability and challenge for the reporter ( s ) to demonstrate the mandated certified compliance of reporting proofs confirming any said claim ( s ) made, else remove permanently from reporting immediately at least until certified compliant reporting is established and confirmed physically.

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