Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have been trying to have this inaccurately reported information corrected since XX/XX/XXXX When I initially contacted them in writing mail sent VERIFIED as proof they received my letters each time as well as NOTARIZED proof of identification as well as proof of residency. My LAST attempt to resolve this with them directly is when once more they refused to update the inaccurate information being reported when I requested the following : It appears my account XXXX XXXX XXXX XXXX XXXXXXXX is being inaccurately reported as being delinquent which is untrue, as this account was paid on time as agreed, as are all of my other accounts are being reported in pristine standing. 

I sent letters to the bureau stating the following : The information provided above has not been certified to meet any reporting standards, and XXXX be inaccurate or incomplete. I request that any wrong or unsupported information be deleted from this document. 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Lets examine Last Payment ( XXXX ) showing XX/XX/XXXX Compliance with XXXX XXXX XXXX is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account! 
Upon inspecting XXXX XXXX XXXX ( XXXX ) exhibiting {$0.00}. I believe we have some issues with accuracy and compliance regarding this account. I challenge you prove the accuracy of this account and reporting practices with proof from XXXX XXXX standards. If applicable compliance standards are not followed then my records XXXX contain inaccurate information about myself which will affect future loans or decisions made based on those wrong assumptions. 

Upon inspecting Account XXXX ( XXXX ) exhibiting Paid. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't XXXX how we would operate if they were not obeyed! So, let 's take this opportunity for you to show me proof of your adherence to applicable compliance standards for this particular account. 
Viewing 2 Year Payment History demonstrating RF RF OK OK OK OK OK OK OK OK OK OK OK OK OK. The content of this account does not meet Metro 2 requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with metro 2 requirements or else I will have my ability to finance questioned. This account needs fixing immediately! 
Viewing Date Reported ( - ) demonstrating XX/XX/XXXX. 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? 
In appreciation 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 XXXX 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 XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, HI XXXX 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, 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 HAVE NEVER MISSED A PAYMENT ON ANY OF MY ACCOUNTS ON MY ENTIRE CREDIT PROFILE INCLUDING THIS ONE. THIS IS THE ONLY DELINQUENCY APPEARING ON MY ENTIRE, PRISTINE, FLAWLESS CREDIT REPORT. ALL OF MY OTHER ACCOUNTS ARE SHOWING AS BEING PAID ON TIME. THIS IS INACCURATE INFORMATION OF WHICH THEY CAN PROVIDE NO PROOF OR EVIDENCE THEREOF.

1 under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Any delinquent payments under the account XXXX XXXX XXXX XXXX XXXXXXXX I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( XXXX ) below were not being reported legally. 
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. 
XXXX requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am asking you to review your data on file for me and ensure that it is accurate and up-to-date. I am challenging any inaccuracies in my report, under the Fair Credit Reporting Act ( FCRA ) section XXXX and XXXX XXXX compliance standards. I also require that all inquiries within my credit profile have a permissible purpose and be accurately sourced, in order to stay on top of any potential issues. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00} Credit line closed - consumer request - reported by subscriber. XXXX surrender.

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