Consumer complaint received 2025-07-10 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: OH

Complaint narrative:
I would like to contest the allegers reportability of claim for this apparent deviant student loan collection claim reported versus me unjustly. XXXX of most concerning issues I have with this is my understanding of the fact that you and any charging reporter ( XXXX ) are mandated by regulatory law to maintain and adhere to reasonable processes, practices, and procedures to assure maximum possible accuracy and confidence of any and all aspects of consumer credit information accused of derogatoriness and or delinquencies elsewise! I have adequate reasonable suspicion that either or each of your and any alleging reporter ( XXXX ) claims do not have evidence adequate to support meeting of at least the minimal criteria of regulatory reporting law nor mandatorily utilized reporting standards, including but not limited to the XXXX XXXX Format, XXXX XXXX. XXXX, the Regulation V nor all aspects of XXXX XXXX. XXXX. Obviously any alleging data reporting furnishers chief duty is simply to report fair and accurate information which includes strict non allowance ( XXXX ) of sharing information if the implying reporter and or each and all inheriting entity knows or should have known or else wise has reasonable cause to believe that the data is questionable as claimed when claimed. For these specific reasons and more, please eradicate your current reporting ( XXXX ) of the following misinformation : XXXX with displayed account number of XXXX * * * * on my XXXX XXXX report XXXX XXXX * * * * on my Experian report, and this information is NOT REPORTED on XXXX in this reported claim on my XXXX report is shoddily reported, at best, on XXXX or more CRAs reports. Obviously, Any deficiency brings to concern of derogatorily injurious misreported information being present, unlawfully of course. Due to your questionable integrity as hinted by the noted deviation ( XXXX ) from the established and mandatorily utilized Standards for adequate reporting practices and procedures, I am within my consumer rights to contest you and any other involved entity to this inadequately reported claim from any assumed privilege to report this or any claim. Further, I here now challenge each any and all of the same for eachs documented proof evidencing the confirmed certifiably compliant adherence any each and all applicable federal and state reporting laws and or mandates elsewise to include undeniable alignment with expected adhered to reporting standards and practices. Additionally, I request proof contradictory to my suggestion that your inability or unwillingness to report in perfect according with the XXXX Format Standard ( XXXX ) did not unfairly, unethically, or else wise unlawfully contribute to your apparent illegally reported injurious claims versus me. The noted shortcomings likely are such that I potentially have substantiated right ( XXXX ) to file lawsuit ( XXXX ) seeking eradication of claim altogether, monetary damages, and or fair compensation otherwise as direct result. 
Please consider any deficiency means to delete allegations to include but not necessarily limited to the following divergence ( XXXX ) from your requisite obeyed industry standards as each represents potentially lesser integrity of data reporting : On the subject of the item questioned above, Date Last Active : reported as XX/XX/XXXX for Experian, XX/XX/XXXX for XXXX XXXX, and as Not Reporting for XXXX and as such is XXXX, each or all in aberrancy from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its principal mandates as its relevant and consequential for compliant reporting acquiescence. This field, as reported, is a divergence from the established CDIAs reporting standards and or is evidently reported XXXX or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting proclivity! Clearly, this field asserts that potentially this item of reporting is or is not yet unproven to be an aberrancy at issue with reporting accuracy and or compliance standards. 
In regard to item questioned above, Account # : reported as XXXX * * * * for Experian, XXXX * * * * for XXXX XXXX, and as Not Reporting for XXXX and as such is XXXX, Page XXXX of XXXX each or all in deviation from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin qua non for compliant reporting and as such are XXXX or more apparently deficient of its exigency of reporting sufficiency and or decree ( XXXX )! 
In regard to item questionably reported above, please note that Date Opened : XX/XX/XXXX for Experian, XX/XX/XXXX for XXXX XXXX, and as is reported as Not Reporting for XXXX are XXXX, XXXX, or each apparently in potential deviation from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX XXXX ). As reported, there can be NO deviation from the requisite standard ( XXXX ) for the compliant reporting of Data fields within any XXXX XXXX Field nor else wise in regard to this mandatorily accurately depicted data field.

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