Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX To whom it XXXX concern : The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been XXXX person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediatelyNon-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.The allegations appear to be inaccurate. Please provide accurate and verified information for each claim or we will have no choice but take legal action against you! 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX Experian Experian Account # : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$880.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR Creditor Type : - Banking Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX -- Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX -- Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX -- Loan Type : XXXX I've identified a billing error related to the late payment entry for account XXXX XXXX XXXX for the year XXXX, in the month of XXXX, as defined under XXXX5 USC 1666 of TILA. This demands immediate correction.Referencing Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 ), it's clear that action must be taken. Please update the late payments to " paid as agreed '' or " never late, '' but retain the account. 
Also, see the image above for XXXX XXXX XXXX  ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Page XXXX of XXXX Bring to your attention XXXX XXXX XXXX XXXX ) reporting {$880.00} What are your thoughts on this? I challenge you to prove that my credit report and reporting practices are perfect. If you can't do it, then clearly the information in regards to me is inaccurate because Metro 2 standards arent being met!

Lets examine Account Description showing Individual. That's not quite right. What is your current level of compliance with CDIA standards? I noticed that you have not adhered to all reporting requirements. Please review the information on file and prove its accuracy.

I am demanding that you adhere to the standards of CDIA reporting requirements or remove my information from this account immediately!

Viewing Account Rating ( BS-17A ) demonstrating CollectionOrChargeOff. You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation?

I was looking at Loan Type expressing CreditCard and I am shocked to see that there are numerous reported compliance breaches!

The data for my account must be accurate, which can only happen if no deviations from standards for reporting exist. It's imperative that you ensure 100 % accuracy with all compliance standards! You must maintain the integrity of my information. Please delete this account from my credit report immediately.

When I scrutinized Account Status ( BS-17A ) presenting Closed I am writing to ask for an explanation of why your account appears inaccurate or inconsistent with established reporting standards at CDIA. There seems to be some discrepancies and I would like them resolved immediately!

Regards The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well Metro 2 -- it needs certified compliant. 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, MI XXXX 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD 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