Consumer complaint received 2024-02-22 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: IL

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as 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 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX  - Account Number:XXXXXXXX I see an inaccuracy in how you report this account! Payment history differs across bureaus. I demand to delete this at once. 

XXXX XXXX XXXXXXXX - Account Number:XXXX  Why do I see different Dates of the Last Active report from each bureau? This is a clear violation due to inaccuracy. Your report is inaccurate, Delete it from my credit report! 

XXXX XXXX XXXX - Account NumberXXXX I do not get this. Why is it that your report from my payment history differs from across the other bureaus? Your report is inaccurate! This is a violation of FCRA. Delete! 

XXXX  - Account NumberXXXX Please ensure that all information is accurate XXXX XXXX  - Account Number:XXXX This account is being reported incorrectly! Why do I see different Dates of Last Active and date opened reported from each bureau? This is a clear violation due to inaccuracy. Please have your agency remove this inaccurate information immediately! 

XXXX XXXX Account Number:XXXXXXXX Why do I see different Dates of Last Active reporting from each bureau? The way you report is inaccurate. Remove inaccurate reported late payments and update to paid as agreed. 

XXXX XXXX XXXX - Account NumberXXXX Why is it that you are the only bureau reporting late payments with this account? Remove inaccurate reported late payments update to paid as agreed.

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