Consumer complaint received 2024-02-16 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: AL

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

Heres the list of the questionable items : XXXX XXXX - Account XXXX Please ensure that all information is accurate XXXX  XXXX - Account XXXX i don't recall having late payment on this account XXXX XXXX - Account XXXX Please removed from my public record XXXX XXXX - Account XXXX Please ensure that all information is accurate XXXX - Account XXXX Please ensure that all information is accurate XXXX - Account XXXX Please removed from my public record XXXX XXXX - Account XXXX Please ensure that all information is accurate XXXX XXXX - Account XXXX I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment XXXX  XXXX - Account XXXX Please ensure that all information is accurate XXXX - Account XXXX Please remove inaccurate reported late payments update to paid as agreed XXXX - Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

XXXX - Account Number : XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

XXXX XXXX XXXX - Account XXXX Please investigate and delete from my credit report. 

XXXX XXXX XXXX - Account XXXX Please remove inaccurate reported late payments update to paid as agreed. 

XXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report XXXX XXXX XXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX - Account XXXX Please remove inaccurate reported late payments update to paid as agreed XXXX - Account XXXX Please Update all payment, all pay was made on time. 

XXXX XXXX - Account XXXX I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment

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