Consumer complaint received 2025-01-20 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: PA

Complaint narrative:
For the last 6 months, I have sent letters expalining the errors they have on my report. Till this day, they have done nothing. I lieterally get an email from them stating that a dispute has been done and by the next day, they are saying that they have an update on my dispute. NOTHING IS DONE. 

Below is my most recent letter that is being sent to them. 

Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XX/XX/XXXX To whom it XXXX concern, I want to bring to your attention that the personal information you have on file for me doesn't match what's listed in the FCRA and XXXX XXXX compliance reporting standards. This is concerning, as accuracy is crucial when it comes to transactions like mine ( and others ). I kindly request that you remove all personal information on file that does not match what I listed above and confirm the data you have on file. I am disappointed to say that I am disputing errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria.

As a consumer, I expect my profile to be accurate and thorough as per FCRA and METRO 2 compliance regulations. I urge you to complete your information verification within a reasonable timeframe and evaluate and confirm all of the information in my credit report. I am frustrated to note that my credit history, as well as the following information, have never been validated or correctly reported. I am exercising my rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I firmly require that any mistakes be fixed permanently, and I want you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Listed below are the Collections that are being challenged XXXX FEDERAL XXXX XXXX - XXXX XXXX - XXXX FHUT/WEBBK - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX AFFIRM XXXX - XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX I am writing to XXXX my grave concerns and disappointment regarding the address associated with my account. It has been brought to my attention that despite my earlier requests, the said address- which is no longer valid and has been deemed non-deliverable by the United States Postal Service- still remains on my file. I must stress that I am extremely worried about the possibility of identity fraud, and I urge you to take immediate action to rectify this situation. 
I believe it is important to highlight that any incorrect information on my file could have serious consequences, and I hold you accountable for any such eventuality arising from your failure to remove this outdated and incorrect address from my credit file. It is imperative that you address this issue with the urgency it deserves, and I demand that you immediately remove the said address from my file. 

PERSONAL INFORMATION Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Previous Address - XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX am writing to express my grave concerns and disappointment regarding the address associated with my account. It has been brought to my attention that despite my earlier requests, the said address- which is no longer valid and has been deemed non-deliverable by the United States Postal Service- still remains on my file. I must stress that I am extremely worried about the possibility of identity fraud, and I urge you to take immediate action to rectify this situation. 
I believe it is important to highlight that any incorrect information on my file could have serious consequences, and I hold you accountable for any such eventuality arising from your failure to remove this outdated and incorrect address from my credit file. It is imperative that you address this issue with the urgency it deserves, and I demand that you immediately remove the said address from my file. 

Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX personal data reporting is inaccurate. 
Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I am writing to express my deep concern, disappointment and frustration regarding the address associated with my account. It has come to my attention that despite multiple requests, the said address- which is no longer valid and has been deemed non-deliverable by the United States Postal Service- still remains on my file. I kindly request that you take immediate action to rectify this issue as I am greatly concerned about the possibility of identity fraud, and any delay could lead to serious consequences. 
It is imperative that you understand the gravity of the situation, and the potential ramifications of any incorrect personal information on my file. I remind you that I have never resided at the said address and demand that you remove it from my credit file with immediate effect. I expect nothing less than your utmost cooperation and efficiency in handling this sensitive matter. 

XXXX XXXX XXXX XXXX Credit Card Balance : {$1000.00} Account # XXXX XXXX (! ) XXXX XXXX XXXX {$1000.00} Last Reported XX/XX/XXXX Account Type XXXX Revolving High Credit XXXX {$0.00} (! ) Date Last Active XXXX XX/XX/XXXX (! ) Account Type XXXX Credit Card XXXX XXXX {$1000.00} Date of Last Payment XXXX XX/XX/XXXX Account Status XXXX Derog Past Due XXXX {$1000.00} Date Opened XXXX XX/XX/XXXX (! ) XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 7 Year History XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX XXXX XXXX XXXX XXXX. of Months ( terms ) XXXX XXXX Comments XXXX Subscriber reports dispute resolved - consumer disagrees., Unpaid balance reported as a loss by the credit grantor., The XXXX XXXX XXXXXXXX XXXX account number currently displayed as XXXX on by bureau report, may contain inconsistencies, incompleteness, inaccuracies, or omissions. Such issues would indicate a failure to comply with the mandatory Metro 2 Data-filled Field Formatted reporting standards set by the reporting industry, which must be adhered to without deviation to maintain the integrity of the data. Therefore, the reported item is legally questionable until all aspects of the claim can be confirmed as factually true, correct, complete, timely, physically verifiable, and otherwise undeniably valid, particularly if it does not comply with the Metro 2 formatted industry requirements. Considering the above, the following data fields alleged for this contested reported item of injury are considered suspect : XXXX Unknown - credit extension, review, or collection Balance : {$2300.00} Account # XXXX XXXX Credit Limit XXXX {$0.00} XXXX Reported XX/XX/XXXX (! ) Account Type XXXX Open Account High Credit XXXX {$2300.00} Date Last Active XXXX XX/XX/XXXX (! ) Account XXXX XXXX Unknown - credit extension, review, or collection (! ) XXXX XXXX {$2300.00} Date of Last Payment XXXX - (! ) Account Status XXXX Derog Past Due XXXX {$2300.00} Date Opened XXXX XX/XX/XXXX XXXX Code Individual Monthly XXXX XXXX {$0.00} 7 Year History XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX XXXX XXXX XXXX (! ) No. of Months ( terms ) XXXX XXXX (! ) Comments XXXX Consumer disputes this account information, Collection account, I am writing to bring to your attention the matter of the reported unconfirmed alleged COFF status of the account identified as LVNVFUNDG - XXXX. While I appreciate the credit report section you have provided, I must express my disappointment that the report indicates that the account number is not being reported or is not in compliance with the established standards for credit reporting agencies. This is a concerning issue that can have severe consequences on the accuracy and integrity of the reported data. I kindly request that strict adherence to the established standards for reporting data fields, including the account number, be followed, as strongly emphasized in the report. I trust that this matter will be addressed immediately, and I look forward to receiving an update regarding the steps taken to rectify the issue. 

XXXX  Charge account Balance : {$0.00} Account # XXXX XXXX Credit Limit XXXX {$0.00} XXXX XXXX XX/XX/XXXX (! ) Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} (! ) Date Last Active XXXX XX/XX/XXXX (! ) Account XXXX XXXX XXXX account (! ) XXXX XXXX {$0.00} Date of Last Payment XXXX XX/XX/XXXX (! ) Account Status XXXX Derog Past Due XXXX {$0.00} Date Opened XXXX XX/XX/XXXX (! ) XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 7 Year History XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX XXXX XXXX XXXX XXXX. of Months ( terms ) XXXX XXXX Comments XXXX Consumer disputes- reinvestigation in progress I am profoundly disappointed by your failure to furnish documented evidence of adherence to compliance reporting standards and relevant consumer laws, which constitutes a significant deficiency. I hereby demand the immediate deletion of this flawed and inaccurate report. Failure to comply will result in legal repercussions as your company has not met the specified legal requirements pertaining to these matters. It is imperative that we are well-informed through documentaries to avert potential future complications. We must not be caught unprepared due to preventable issues, which could have been avoided if those with superior knowledge had prioritized accuracy over mere convenience. 

XXXX XXXX  Unsecured loan Balance : {$180.00} Account # XXXX XXXX Credit XXXX XXXX {$0.00} XXXX Reported XX/XX/XXXX Account Type XXXX Installment High Credit XXXX {$400.00} Date XXXX XXXX XXXX XX/XX/XXXX Account Type Detail Unsecured loan Balance XXXX {$180.00} Date of Last Payment XXXX XX/XX/XXXX Account Status XXXX XXXX Past Due XXXX {$180.00} Date Opened XXXX XX/XX/XXXX XXXX Code Individual Monthly Payment XXXX {$0.00} 7 Year History XXXX : XXXX XXXX : XXXX XXXX Payment Status XXXX XXXX XXXX XXXX of Months ( terms ) XXXX XXXX Comments XXXX Affected by natural disaster., Unpaid balance reported as a loss by the credit grantor., XXXX XXXX - XXXX, I must express my profound disappointment and concern with the data presented, as it lacks the necessary certification to adhere to reporting standards. Moreover, I kindly emphasize that this information appears to be incomplete, outdated, or unsupported, which is disconcerting. I earnestly request the diligent removal of any erroneous or unsupported material from this page to ensure the accuracy and reliability of the provided content. 

XXXX XXXX Credit Card Balance : {$1000.00} Account # XXXX XXXX Credit Limit XXXX {$700.00} XXXX! ) Last Reported XX/XX/XXXX (! ) Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} (! ) Date Last Active XXXX XX/XX/XXXX (! ) Account XXXX XXXX Credit Card (! ) XXXX XXXX {$1000.00} Date of Last Payment XXXX XX/XX/XXXX (! ) Account Status XXXX Derog Past Due XXXX {$1000.00} Date Opened XXXX XX/XX/XXXX (! ) XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 7 Year History XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX XXXX XXXX XXXX XXXX. of Months ( terms ) XXXX XXXX Comments XXXX Consumer disputes this account information, Account closed at consumer 's request, I respectfully request the elimination of any harmful elements in the accusations pertaining to the following entry on my credit report : XXXX XXXX - XXXX. I express my deep disappointment and concern that this entry may have been reported in an unfair, inadequately verified, or even illegal manner. It is my firm belief that any claims of late payments associated with this entry be removed promptly, in strict compliance with the applicable legal provisions. I urge your immediate attention to this matter to ensure a prompt and satisfactory resolution. 

XXXX XXXXXXXX Unsecured loan Balance : {$100.00} Account # XXXX XXXX Credit Limit XXXX {$0.00} XXXX Reported XX/XX/XXXX Account Type XXXX Installment High Credit XXXX {$1000.00} Date XXXX XXXX XXXX XX/XX/XXXX Account Type Detail Unsecured loan Balance XXXX {$100.00} Date of Last Payment XXXX XX/XX/XXXX Account Status XXXX XXXX Past Due XXXX {$100.00} Date Opened XXXX XX/XX/XXXX XXXX of XXXX XXXX Code Individual Monthly Payment XXXX {$0.00} 7 Year History XXXX : XXXX XXXX : XXXX XXXX Payment Status XXXX XXXX XXXX XXXX of Months ( terms ) XXXX XXXX Comments XXXX Affected by natural disaster., Unpaid balance reported as a loss by the credit grantor., AFFIRM XXXX - XXXX, I must express my deep disappointment with the data presented above, as it has not undergone the necessary certification to comply with established reporting standards. It is crucial to underscore that this information may be lacking in completeness, relevance, or proper validation. Consequently, I earnestly request the removal of any inaccuracies or unsupported content from this page, as such omissions detract from the reliability and credibility of the provided data. 
XXXX XXXXXXXX Unsecured loan Balance : {$290.00} Account # XXXX AJAO**** Credit XXXX XXXX {$0.00} XXXX Reported XX/XX/XXXX Account Type XXXX Installment High Credit XXXX {$420.00} Date XXXX XXXX XXXX XX/XX/XXXX Account Type Detail Unsecured loan Balance XXXX {$290.00} Date of Last Payment XXXX XX/XX/XXXX Account Status XXXX XXXX Past Due XXXX {$290.00} Date Opened XXXX XX/XX/XXXX XXXX Code Individual Monthly Payment XXXX {$0.00} 7 Year History XXXX : XXXX XXXX : XXXX XXXX Payment Status XXXX XXXX XXXX XXXX of Months ( terms ) XXXX XXXX Comments XXXX Affected by natural disaster., Unpaid balance reported as a loss by the credit grantor., We regret to inform you that the account associated with the account name XXXX XXXX and account number XXXX displays inconsistencies among the XXXX credit reporting agencies. Such disparities, inadequacies, inaccuracies, or omissions of reported information raise concerns about the adherence to the XXXX XXXX Data-filled Field Formatted reporting compliance standards, which is a mandatory requirement in the reporting industry. Any deviation from these regulations would seriously compromise the data 's integrity, as highlighted in the XXXX XXXX XXXX guidelines. As a result, the authenticity of the reported item is lawfully questionable until there is evident confirmation that all aspects of the claim ( XXXX ) are factually accurate, correct, complete, timely, physically verifiable, and otherwise undeniably valid, especially if it fails to comply with the above-mentioned XXXX XXXX XXXX industry requirements. 
Considering these circumstances, we urge you to scrutinize the following suspect reported data fields alleged for the contested reported item of injury. It is our sincere hope that this matter will be resolved promptly and with the necessary attention to detail to ensure the accuracy and integrity of the credit reporting system. 

TD/TARGET Credit Card Balance : {$550.00} Account # XXXX XXXX Credit Limit XXXX {$300.00} XXXX XXXX XXXX Last Reported XX/XX/XXXX (! ) Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} (! ) Date Last Active XXXX XX/XX/XXXX (! ) Account XXXX XXXX Credit Card (! ) XXXX XXXX {$550.00} Date of Last Payment XXXX XX/XX/XXXX (! ) Account Status XXXX Derog Past Due XXXX {$550.00} Date Opened XXXX XX/XX/XXXX (! ) XXXX XXXX XXXX XXXX XXXX {$0.00} 7 Year History XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. of Months ( terms ) XXXX XXXX Comments XXXX Charged off account, Accounts closed by XXXX XXXX, I hope this message finds you well. I am writing regarding the data provided for XXXX - XXXX. While I appreciate the effort to present the information, I must express my disappointment that it has not been certified to meet any reporting standards. It is imperative to acknowledge that this data XXXX be incomplete, outdated, or unsupported. Therefore, I kindly request that any erroneous or unsupported material be promptly removed from this page. Your attention to this matter would be greatly appreciated. 
XXXX XXXX XXXX XXXX Credit Card Balance : {$15000.00} Account # XXXX XXXX (! ) XXXX XXXX XXXX {$15000.00} Last Reported XX/XX/XXXX Account Type XXXX Revolving High Credit XXXX {$0.00} (! ) Date Last Active XXXX XX/XX/XXXX (! ) Account Type Detail Credit Card Balance XXXX {$15000.00} Date of Last Payment XXXX XX/XX/XXXX Account Status XXXX Derog Past Due XXXX {$15000.00} Date Opened XXXX XX/XX/XXXX (! ) XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 7 Year History XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX XXXX XXXX XXXX XXXX. of Months ( terms ) XXXX XXXX Comments XXXX Subscriber reports dispute resolved - consumer disagrees., Unpaid balance reported as a loss by the credit grantor., XXXX XXXX XXXX XXXX - XXXX I would like to remind you once again that it is imperative to remove any claims from your reporting that lack proper substantiation or evidence, regardless of whether they are mentioned above or below. As the data reporting provider, it is your responsibility to meet the minimum criteria necessary to report with conditional privilege. Failure to do so raises questions about the credibility of all claims made in your report. I must emphasize that I do not consider any unproven claim to be reportable, especially in regards to the mandatory XXXX XXXX Compliance standards. These standards, as outlined by the XXXX in their CRRG, are updated annually and are necessary to maintain the integrity of the data. Therefore, I urge you to provide evidence supporting all allegations and comply with the required reporting practices to achieve certifiable compliance. 
XXXX XXXX XXXX XXXX : {$590.00} Account # XXXX XXXX Credit Limit XXXX XXXX XXXX XXXX XX/XX/XXXX (! ) Account Type XXXX Collection High Credit XXXX {$590.00} Date Last Active XXXX XX/XX/XXXX (! ) Account Type Detail - Balance XXXX {$590.00} Date of Last Payment XXXX - Account Status XXXX Derog Past Due XXXX - Date Opened XXXX XX/XX/XXXX (! ) XXXX Code - Monthly Payment XXXX - 7 Year History XXXX : - XXXX : - XXXX : - Payment Status XXXX Coll/Chargeoff No. of Months ( terms ) XXXX - Comments XXXX Consumer disputes this account information, Account previously in dispute- now resolved by data furnisher, Subject has not satisfied debt., I am deeply disappointed by your failure to furnish documented evidence of compliance with reporting standards and consumer laws. This deficiency is significant. I insist on the immediate removal of this flawed and inaccurate report. Failure to comply will result in legal action for non-compliance with the prescribed legal requirements concerning these matters. It is crucial that we possess an understanding of the content conveyed in documentaries to avoid being caught unprepared in the event of future complications. Such issues, which could have been prevented, XXXX arise due to negligence on the part of those who possess knowledge but prioritize convenience over accuracy. 
AFFIRM XXXX Unsecured loan Balance : {$290.00} Account # XXXX XXXX Credit Limit XXXX {$0.00} XXXX Reported XX/XX/XXXX Account Type XXXX Installment High Credit XXXX {$600.00} Date XXXX XXXX XXXX XX/XX/XXXX Account Type Detail Unsecured loan Balance XXXX {$290.00} Date of Last Payment XXXX XX/XX/XXXX Account Status XXXX XXXX Past Due XXXX {$290.00} Date Opened XXXX XX/XX/XXXX XXXX Code Individual Monthly Payment XXXX {$0.00} 7 Year History XXXX : XXXX XXXX : XXXX XXXX Payment Status XXXX XXXX XXXX XXXX of Months ( terms ) XXXX XXXX Comments XXXX Affected by natural disaster., Unpaid balance reported as a loss by the credit grantor., I am writing to express my concern and disappointment regarding the reported unconfirmed alleged COFF status of the account identified as AFFIRM XXXX - XXXX. It has come to my attention that you have provided a section of a credit report that pertains to this account number. While I appreciate your efforts in providing this information, I must stress that the report suggests that the account is either not being reported or is not in compliance with the established standards for credit reporting agencies. This is a serious matter, as it can potentially lead to concerns about the accuracy and integrity of the data being reported. Therefore, I respectfully request that you take immediate action to rectify this situation by ensuring that strict adherence to the established standards for reporting data fields, including the account number, is maintained at all times, as strongly emphasized in the report. Thank you for your attention to this matter. 
XXXX XXXX Charge account Balance : {$2600.00} Account # XXXX XXXX Credit Limit XXXX {$2000.00} XXXX! ) Last Reported XX/XX/XXXX (! ) Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} (! ) Date Last Active XXXX XX/XX/XXXX (! ) Account XXXX XXXX XXXX account (! ) XXXX XXXX {$2600.00} Date of Last Payment XXXX XX/XX/XXXX (! ) Account Status XXXX Derog Past Due XXXX {$2600.00} Date Opened XXXX XX/XX/XXXX (! ) XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 7 Year History XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX XXXX XXXX XXXX XXXX. of Months ( terms ) XXXX XXXX Comments XXXX Account previously in dispute - now resolved by data furnisher, Charged off account, I would like to express my sincere concern and disappointment regarding the information provided for CAP XXXX - XXXX. It is disheartening to learn that the data in question has not undergone the necessary certification to meet established reporting standards. Furthermore, the inclusion of this data without any guarantee of accuracy, currency, or comprehensiveness is deeply unsettling. I must emphasize the significance of acknowledging that this information XXXX potentially be incomplete, outdated, or unsupported. 
In light of these concerns, I kindly request the immediate removal of any erroneous or unsupported material from this page, as it gravely deviates from the expected standards and undermines the integrity of the information presented. 
XXXX Charge account Balance : {$760.00} Account # XXXX XXXX Credit Limit XXXX {$550.00} XXXX XXXX XXXX Last Reported XX/XX/XXXX (! ) Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} (! ) Date Last Active XXXX XX/XX/XXXX (! ) Account XXXX XXXX XXXX account (! ) XXXX XXXX {$760.00} Date of Last Payment XXXX XX/XX/XXXX (! ) Account Status XXXX Derog Past Due XXXX {$760.00} Date Opened XXXX XX/XX/XXXX (! ) XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 7 Year History XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX XXXX XXXX XXXX XXXX. of Months ( terms ) XXXX XXXX Comments XXXX Account previously in dispute - now resolved by data furnisher, Charged off account, XXXX - XXXX, I regretfully express my dismay and concern regarding the data presented above, which regrettably lacks the necessary certification to meet essential reporting standards. It is important to highlight that this information XXXX potentially be incomplete, outdated, or without proper substantiation. In the interest of accuracy and credibility, I kindly request the prompt removal of any erroneous or unsupported content from this page to ensure the integrity of the provided information. 

AFFIRM XXXX Unsecured loan Balance : {$240.00} Account # XXXX XXXX Credit Limit XXXX {$0.00} XXXX Reported XX/XX/XXXX Account Type XXXX Installment High Credit XXXX {$410.00} Date XXXX XXXX XXXX XX/XX/XXXX Account Type Detail Unsecured loan Balance XXXX {$240.00} Date of Last Payment XXXX XX/XX/XXXX Account Status XXXX XXXX Past Due XXXX {$240.00} Date Opened XXXX XX/XX/XXXX XXXX Code Individual Monthly Payment XXXX {$0.00} 7 Year History XXXX : XXXX XXXX : XXXX XXXX Payment Status XXXX XXXX XXXX XXXX of Months ( terms ) XXXX XXXX Comments XXXX Affected by natural disaster., Unpaid balance reported as a loss by the credit grantor., I would like to express my profound disappointment and concern regarding the information provided for AFFIRM XXXX - XXXX. It is disheartening to discover that the data in question has not undergone the necessary certification to meet established reporting standards. Consequently, there is no assurance of its accuracy, currency, or completeness. Furthermore, it is essential to acknowledge that this information XXXX be incomplete, outdated, or unsupported. In light of these significant shortcomings, I kindly request the immediate removal of any incorrect or unsupported material from this page, as it fails to meet the expected standards and undermines the integrity of the information provided. 
XXXX XXXX XXXX XXXX XXXX : {$200.00} Account # XXXX XXXX Credit Limit XXXX XXXX XXXX XXXX XX/XX/XXXX (! ) Account Type XXXX Collection High Credit XXXX {$200.00} Date Last Active XX/XX/XXXX (! ) XXXX Account Type Detail - Balance XXXX {$200.00} Date of Last Payment XXXX - Account Status XXXX Derog Past Due XXXX - Date Opened XXXX XX/XX/XXXX XXXX Code - Monthly Payment XXXX - 7 Year History XXXX : - XXXX : - XXXX : - Payment Status XXXX Coll/Chargeoff No. of Months ( terms ) XXXX - Comments XXXX Subject has not satisfied debt. 
XXXX XXXX XXXX XXXX - XXXX I would like to kindly remind you once more that it is imperative for you to promptly eliminate any unfounded or insufficiently substantiated statements from your reporting, whether they are mentioned above or below. As the provider of data reporting, if you are unable to meet the basic standards required to report, then I question the credibility of any and all claims that you make. Specifically, I contest the reportability of any assertion that you are unable to convincingly prove, particularly in connection with the XXXX XXXX XXXX Compliance guidelines. These guidelines are clearly laid out by the XXXX in their annual XXXX and any deviation from these standards could potentially undermine the accuracy of the data. Thus, I urge you to demonstrate the accuracy of all allegations and adhere to the necessary reporting practices in order to be certified compliant. 
XXXX XXXX line secured Balance : {$120.00} Account # XXXX XXXX Credit Limit XXXX {$100.00} XXXX XXXX XXXX Last Reported XX/XX/XXXX (! ) Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} (! ) Date Last Active XXXX XX/XX/XXXX (! ) Account XXXX XXXX XXXX line secured (! ) XXXX XXXX {$120.00} Date of Last Payment XXXX XX/XX/XXXX (! ) Account Status XXXX Derog Past Due XXXX {$120.00} Date Opened XXXX XX/XX/XXXX (! ) XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 7 Year History XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX XXXX XXXX XXXX XXXX. of Months ( terms ) XXXX XXXX Comments XXXX Charged off account, Secured credit card, I am deeply disappointed by your failure to provide documented evidence of compliance with reporting standards and consumer laws. This significant deficiency requires the immediate removal of the flawed and inaccurate report. Failure to comply will result in legal action against your company for non-compliance with the specific requirements outlined by law in these matters. It is crucial for us to understand the information conveyed in documentaries to avoid being caught off guard when facing potential future challenges. Such issues could have been prevented if those with superior knowledge had prioritized accuracy over mere convenience. 
XXXX XXXX Credit Card Balance : {$920.00} Account # XXXX XXXX Credit Limit XXXX {$600.00} XXXX! ) Last Reported XX/XX/XXXX (! ) Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} (! ) Date Last Active XXXX XX/XX/XXXX (! ) Account XXXX XXXX Credit Card (! ) XXXX XXXX {$920.00} Date of Last Payment XXXX XX/XX/XXXX (! ) Account Status XXXX Derog Past Due XXXX {$920.00} Date Opened XXXX XX/XX/XXXX (! ) XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 7 Year History XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX XXXX XXXX XXXX XXXX. of Months ( terms ) XXXX XXXX Comments XXXX Consumer disputes this account information, Account closed at consumer 's request, I must express my deep disappointment regarding your failure to provide documented proof of compliance with reporting standards and consumer laws. This deficiency is significant. I demand the immediate deletion of this flawed and inaccurate report, as your company 's failure to meet legal requirements in these matters XXXX result in legal action. It is crucial that we are aware of the content presented in documentaries to avoid being unprepared for potential future issues. These issues could have been prevented if those with knowledge had prioritized accuracy over convenience, leaving behind even a single piece of evidence. 
knowledge had prioritized accuracy over convenience, leaving behind even a single piece of evidence. 
I request the removal of inaccurate information from my credit report and demand valid proof of permissible purpose or the complete deletion of such data to comply with the Fair Credit Reporting Act. Presently, there is no evidence of my consent to authorize reporting on the mentioned dates. I urge prompt corrections to ensure XXXX XXXX compliant, accurate, and timely reporting. Additionally, I request the companies to provide my signed authorization within XXXX days for validation. Non-compliance with this request could lead to Fair Credit Reporting Act violations, and I seek your assistance in this matter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX 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