Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have sent several notarized and certified mail letters disputes to all 3 credit bureaus-XXXX Experian, and XXXX with all 3 disregarding the disputes and failing to comply the inaccurate information this has caused me extreme XXXX  and XXXX Ive called 25-30 times with no success in getting any information regarding my disputes I ask please to remove all the inaccuracies My First and Last Name is and ONLY is XXXX XXXX My Address Street Number , Street Name, City, and State is and only is, AL XXXX My Date of Birth is and only is XX/XX/XXXX My current Legally acquired lawful Social Security Number is and only is XXXX I am writing to inform you about certain discrepancies in my credit report and to request your prompt assistance in rectifying these errors. It is of utmost importance to ensure that the information reported accurately reflects my personal identification details, as mentioned above. I kindly urge you to remove any information that has not been reported precisely as indicated. Failing to comply with this request would not only contravene the mandatory reporting processes but also undermine the necessary reporting standards, such as the METRO 2 Formatted Compliance. Please understand that reporting in a truthful, verifiable, and correct manner is not a choice but a legal obligation. 
To ensure full compliance with these obligations, I kindly request that you provide documented evidence demonstrating the compliance of the claims being reported with the required processes and formats. If any claim can not be substantiated as compliant, regardless of its accuracy, I insist that it be expunged from my credit report. 
I want to emphasize that this is a lawful request to challenge any inaccuracies or deficiencies in my credit report. By asserting my consumer rights, I am striving to ensure that only factual, true, verified, and compliant information is included in my report. In light of this, I demand that you thoroughly investigate the source of any accounts in question and verify that the creditor had a legitimate reason to include them in the report. To conduct this investigation, the minimum requirement would be to verify my complete file information exactly as indicated above, including my full name, current address, date of birth, and the last four digits of my Social Security Number. It is essential that any deficiencies discovered during this process be promptly and permanently rectified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - This Consumer Note is my official call for you to discontinue reporting of the item above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claim ( s ). This XXXX  item is deficient as reported, as above-displayed in evidence of uncertified XXXX this account is questionable even poor reporting .Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the Metro 2 Format compliance since, per XXXX, XXXX  3-4 `` Any deviation from these standards jeopardizes the integrity of the data '' so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! Date Opened : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX Last Payment : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX XXXX XXXX - XXXX - This Consumer Note is my official call for you to discontinue reporting of the item above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claim ( s ). This XXXX  item is deficient as reported, as above-displayed in evidence of uncertified XXXX this account is questionable even poor reporting .Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the Metro 2 Format compliance since, per XXXX, XXXX  XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data '' so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! Date of Last Activity : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX Account Status : XXXX reports Open Experian reports Closed XXXX reports Closed XXXX XXXX - XXXX - This Consumer Note is my official call for you to discontinue reporting of the item above- displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in 1 of 4 your current reporting I demand you prove beyond doubt your claim ( s ). This XXXX  item is deficient as reported, as above-displayed in evidence of uncertified XXXX this account is questionable even poor reporting .Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the Metro 2 Format compliance since, per XXXX, DNP XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data '' so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! Date Opened : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX Last Payment : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX XXXX XXXX - XXXX - This Consumer Note is my official call for you to discontinue reporting of the item above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claim ( s ). This XXXX  item is deficient as reported, as above-displayed in evidence of uncertified XXXX this account is questionable even poor reporting .Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the Metro 2 Format compliance since, per XXXX, XXXX  XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data '' so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! Date Opened : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX Last Payment : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX XXXX  - XXXX - This Consumer Note is my official call for you to discontinue reporting of the item above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claim ( s ). This XXXX  item is deficient as reported, as above-displayed in evidence of uncertified XXXX this account is questionable even poor reporting .Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the Metro 2 Format compliance since, per XXXX, XXXX  XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data '' so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! Date Opened : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX Last Payment : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXXXXXX XXXX XXXX XXXX - XXXX - This Consumer Note is my official call for you to discontinue reporting of the item above- displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claim ( s ). This XXXX  item is deficient as reported, as above-displayed in evidence of uncertified XXXX this account is questionable even poor reporting .Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the Metro 2 Format compliance since, per XXXX, XXXX  XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data '' so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! Date of Last Activity : Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX Date Reported : Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - XXXX - This Consumer Note is my official call for you to discontinue reporting of the item above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claim ( s ). This COFF item is deficient as reported, as above-displayed in evidence of uncertified XXXX this account is questionable even poor reporting .Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the Metro 2 Format compliance since, per XXXX, XXXX  XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data '' so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 

XXXX - XXXX - This Consumer Note is my official call for you to discontinue reporting of the item above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claim ( s ). This COFF item is deficient as reported, as above-displayed in evidence of uncertified XXXX this account is questionable even poor reporting .Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the Metro 2 Format compliance since, per XXXX, XXXX  XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data '' so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! Date Opened : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX Last Payment : XXXX reports NO DATA Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX XXXX of XXXX XXXX XXXX - XXXX - This Consumer Note is my official call for you to discontinue reporting of the item above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claim ( s ). This COFF item is deficient as reported, as above-displayed in evidence of uncertified XXXX this account is questionable even poor reporting .Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the Metro 2 Format compliance since, per XXXX, XXXX  XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data '' so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! Date Opened : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX Account Status : XXXX reports Open Experian reports Closed XXXX reports Closed XXXX  XXXX - XXXX - This Consumer Note is my official call for you to discontinue reporting of the item above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claim ( s ). This COFF item is deficient as reported, as above-displayed in evidence of uncertified XXXX this account is questionable even poor reporting .Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the Metro 2 Format compliance since, per XXXX, XXXX XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data '' so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! Date Opened : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX Last Payment : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX XXXX - XXXX - This Consumer Note is my official call for you to discontinue reporting of the item above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claim ( s ). This COFF item is deficient as reported, as above-displayed in evidence of uncertified XXXX this account is questionable even poor reporting .Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the Metro 2 Format compliance since, per XXXX, XXXX XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data '' so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! Date Opened : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX Date of Last Activity : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXXXXXX XXXX XXXX - XXXX - This Consumer Note is my official call for you to discontinue reporting of the item above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claim ( s ). This COFF item is deficient as reported, as above-displayed in evidence of uncertified XXXX this account is questionable even poor reporting .Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the Metro 2 Format compliance since, per XXXX, XXXX  XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data '' so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! Date Opened : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX Last Payment : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX XXXX XXXX XXXX - XXXX - This Consumer Note is my official call for you to discontinue reporting of the item above- displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claim ( s ). This COFF item is deficient as reported, as above-displayed in evidence of uncertified XXXX this account is questionable even poor reporting .Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the Metro 2 Format compliance since, per XXXX, XXXX  XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data '' so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! Date of Last Activity : Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX Date Reported : Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX XXXX XXXX XXXX - XXXX - This Consumer Note is my official call for you to discontinue reporting of the item above- displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claim ( s ). This COFF item is deficient as reported, as above-displayed in evidence of uncertified XXXX this account is questionable even poor reporting .Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the Metro 2 Format compliance since, per XXXX, XXXX  XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data '' so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! Date of Last Activity : Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX Date Reported : Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX I kindly request that you send an updated copy of my credit report to the address provided above, without any charge as per the relevant legislation. Additionally, I would appreciate it if you could send notices of the corrections to anyone who has received my credit report in the past six months. 
I would like to express my sincere gratitude for your willingness to address and rectify the noted misinformation promptly. Your prompt attention to this matter is highly appreciated. 
Thank you in advance for your assistance. 
Yours faithfully, My First & LAST name and my current and only address are as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL 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