Consumer complaint received 2024-02-28 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: VA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. Also as stated in the XXXX Any Deviation From These Standards XXXX The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being challenged in list form XXXX XXXX BANK - Account XXXX Please Update all payments, all pay was made on time. 

XXXX BANK XXXX - Account XXXX XXXX XXXX XXXX  Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX - Account XXXX Please removed from XXXX public record XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED CAPITAL XXXX - Account XXXX This is not mine. 

XXXX XXXX  XXXX - Account XXXX Please remove it from my credit report. 

XXXX XXXX - Account XXXX XXXX - CARD SERVICE - Account XXXX Please investigate and delete it from my credit report. 

XXXX XXXX XXXX - Account XXXX Please investigate and delete it from my credit report. 

XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX BANK - Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX XXXXXXXX - Account XXXX THIS CONTRACT IS CANCELED XXXX AND FUDGE I - Account XXXX I need XXXX see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment MILITARY STAR - Account XXXX Please Update all payments, all pay was made on time. 

XXXX - Account XXXX Please remove it from my credit report. 

XXXX - Account XXXX Please remove it from my credit report. 

XXXX XXXX XXXX - Account Number : **** This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX XXXX XXXX - Account Number : **** Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX XXXX Account XXXX My parent has the same name as me. 

XXXX XXXX XXXX - Account XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX  XXXX - Account XXXX i dont recall having latepayment on this account AFFIRM XXXX - Account XXXX XXXX XXXXXXXX - Account XXXX Please remove it XXXX XXXX credit report. 

XXXX XXXX - Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX MO ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX XXXX - Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable XXXX XXXX Compliant Reporting XXXX Standard ( XXXX ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

XXXX  XXXX - Account XXXX i dont recall having latepayment on this account XXXX XXXX - Account Number : **** My parent has the same name as me. 

AFFIRM XXXX - Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro XXXX XXXX Reporting Format Standard ( XXXX ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

XXXX XXXX XXXX Account XXXX Please removed from my public record XXXX XXXX - Account XXXX Please removed from my public record XXXX XXXXXXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX XXXX - Account XXXXXXXX XXXX XXXXXXXX - Account XXXX i dont recall having latepayment on this account XXXX XXXXXXXX - Account XXXX i dont recall having latepayment on this account XXXX XXXX - Account XXXX Please remove inaccurate reported late payments update to paid as agreed XXXX XXXXXXXX - 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 XXXX. XXXX. Take care of this immediately XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXX XXXXXXXX - Account XXXX i dont recall having latepayment on this account XXXX XXXXXXXX - Account XXXX Please Update all payment, all pay was made on time. 

XXXX XXXX - Account XXXX Please investigate and delete from my credit report. 

XXXX XXXX - Account XXXX Please supply information on how you have verified this item. 

XXXX XXXX - Account XXXX Please investigate and delete from my credit report. 

AFFIRM XXXX - Account XXXX Please remove inaccurate reported late payments update to paid as agreed XXXX  XXXX - Account XXXX My parent has the same name as me. 

XXXX 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 XXXX. XXXX REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA XXXX. XXXX. Take care of this immediately XXXX XXXXXXXX - Account XXXX XXXX XXXX - Account XXXX Please remove it from my credit report. 

XXXX XXXXXXXX - Account XXXX I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment XXXX XXXXXXXX - Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro XXXX Compliant Reporting XXXX Standard ( XXXX ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

XXXX XXXX - Account XXXX XXXX XXXX XXXX Account XXXX Please investigate and delete from my credit report. 

XXXX XXXXXXXX - 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 XXXX. XXXX. Take care of this 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 explanation