Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : Inaccurate Reporting and Violation of Fair Credit Reporting Act & Metro- 2 To whom it may concern at EXPERIAN , XXXX , and XXXX XXXX XXXX : I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim.

Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.Further investigation is required to verify the following claims. These claims remain unverified until further inquiry can confirm them. More research is needed to support these unsubstantiated assertions. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove & reverse late payments immediately.

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Experian 2 Year Payment History OK OK 30 60 30 OK OK OK OK 30 OK OK OK 30 60 30 OK OK 30 OK 60 60 30 OK Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Open Account Type : XXXX Installment Balance Owed : XXXX {$31000.00} Credit Limit : XXXX {$0.00} Creditor Remarks : XXXX - Creditor Type : - Auto Loan Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$59000.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$0.00} Payment Amount : XXXX {$970.00} Payment Status : XXXX Current Term Length : XXXX XXXX The information you provided is not accurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue! Inaccurate, imperfect information has no place in your database or on my credit report so please delete it now.

Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive highlighted and circled additional areas of concern. 
Lets examine Term Length ( XXXX ) showing XXXX I bet you can't wait until I'm done with this account! The compliance standards are really important, and your reporting ability is clearly lacking. As we know from the news lately -- inaccurate credit records lead to higher interest rates on loans or even worse... Prove that all information for this particular account has been verified.

When I scrutinized Balance Owed ( XXXX ) presenting {$31000.00}. The information reported doesn't seem to meet the standards set by Metro 2 guidelines. You must make sure all fields are filled out correctly and in 100 % compliances prior adding anything onto my credit profile! Please remove this inaccurate record from my report or provide proof of your compliance with applicable standards.

When I scrutinized Credit Limit ( XXXX ) presenting {$0.00}. Compliance with regulatory requirements is essential for accurate credit reporting! Prove to me that your information for this account has been fully vetted and meets all the standards of federal law, including but not limited Metro 2 standards. I need you show proof or explain how this account is compliant Lets take a look at Creditor Remarks ( XXXX ) reporting -. There may be a problem with the data reported because it doesn't meet the required standards. The data may not be accurate because it deviates from what is required. As you know You must report all Data fields in compliance with the Metro 2 standards. There can be no deviation from these requirements.

I was looking at Date Reported ( - ) expressing XX/XX/XXXX. This is a formal complaint about the content of my report. It has come to my attention that you failed in following standard procedures for accuracy, and as such I question its validity if not fixed immediately.

Regards You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that 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 my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action This letter serves as a formal notice of pending litigation and a final settlement offer in relation to XXXX XXXX XXXX XXXXXXXX XXXX, Experian Credit Bureaus, and XXXX Credit Bureaus reporting of inaccurate and fraudulent late payments in my consumer report. Your failure to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards has caused significant harm to my creditworthiness and personal finances. I urge you to take immediate corrective action to avoid further legal repercussions.

Statutory Violations and Legal Grounds I have identified multiple violations of the FCRA and other relevant statutes in your reporting practices. These include, but are not limited to : 1. 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) : You have willfully failed to comply with the requirements imposed under this subchapter. This includes, but is not limited to, providing inaccurate information and failing to correct or delete unverifiable information.

o Civil Liability : You are liable for any actual damages sustained by the consumer or damages of not less than {$100.00} and not more than {$1000.00}, punitive damages, and the costs of the action together with reasonable attorneys fees.

2. 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ) : Your negligent noncompliance with the FCRA provisions has caused substantial harm to my credit score and financial standing.

o Civil Liability : Liability for actual damages sustained by the consumer as a result of your failure.

3. 15 U.S. Code 1692k ( Civil Liability for Debt Collection Practices ) : Your actions constitute a breach of this statute, further compounding the legal violations in your reporting practices.

4. 15 U.S. Code 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) : o Duty to Provide Accurate Information : Reporting information with actual knowledge of errors.

o Duty to Correct and Update Information : Ensuring that all reported information is accurate, complete, and up-to-date.

Specific Violations on My Consumer Report The following late payments reported by XXXX XXXX XXXX XXXX are inaccurate, unverifiable, and fraudulent : XX/XX/XXXX : 30-day late payment notation XX/XX/XXXX : 60-day late payment notation XX/XX/XXXX : 60-day late payment notation XX/XX/XXXX : 30-day late payment notation XX/XX/XXXX : 30-day late payment notation XX/XX/XXXX : 60-day late payment notation XX/XX/XXXX : 30-day late payment notation XX/XX/XXXX : 30-day late payment notation XX/XX/XXXX : 60-day late payment notation XX/XX/XXXX : 30-day late payment notation *****Payment History is inconsistent and inaccurate, I know for sure no one has diligently investigated this account because if so, you would have become aware of the fraudulent and unverifiable nature of these late payments, and they would have been removed. The insult to my intelligence, reporting inaccurate fraudulent information, and not properly investing my disputed information is undermining the credibility of your company.

Re : Inaccurate Reporting and Violation of Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter serves as a formal notice of pending litigation and a final settlement offer in relation to XXXX XXXX XXXX XXXX XXXX reporting of inaccurate and fraudulent late payments on my consumer report. Your failure to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards has caused significant harm to my creditworthiness and personal finances. I urge you to take immediate corrective action to avoid further legal repercussions.

Statutory Violations and Legal Grounds I have identified multiple violations of the FCRA and other relevant statutes in your reporting practices. These include, but are not limited to : 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) : You have willfully failed to comply with the requirements imposed under this subchapter. This includes, but is not limited to, providing inaccurate information and failing to correct, reverse, or delete unverifiable information.

Civil Liability : You are liable for any actual damages sustained by the consumer or damages of not less than {$100.00} and not more than {$1000.00}, punitive damages, and the costs of the action together with reasonable attorneys fees.

15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ) : Your negligent noncompliance with the FCRA provisions has caused substantial harm to my credit score and financial standing.

Civil Liability : Liability for actual damages sustained by the consumer as a result of your failure.

15 U.S. Code 1692k ( Civil Liability for Debt Collection Practices ) : Your actions constitute a breach of this statute, further compounding the legal violations in your reporting practices.

15 U.S. Code 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) : Duty to Provide Accurate Information : Reporting information with actual knowledge of errors.

Duty to Correct and Update Information : Ensuring that all reported information is accurate, complete, and up-to-date.

Specific Violations on My Consumer Report Upon inspecting the following account details, I have found several inaccuracies and non-compliances with Metro 2 standards : Past Due Amount ( XXXX ) : Exhibiting {$0.00}. Upon inspecting Past Due Amount ( XXXX ) exhibiting {$0.00}. I am writing to challenge the accuracy and compliance reports about this account. I believe there may be some issues with how it is being reported, which could affect future loans or decisions based on those wrong assumptions. Please provide proof that all proper procedures were followed so our records contain accurate information regarding myself!

Upon inspecting 2 Year Payment History exhibiting OK OK OK OK OK OK 30 OK OK OK OK OK OK 30 OK OK OK OK 30 OK OK OK OK. The data you reported doesn't meet the requirements! It's not accurate because it deviates from what is required. As I know, you must always report all fields in compliance with Metro 2 standards and there can be no deviations from these rules so please correct this account right away being that I am already being financially impacted by this incomplete, unverified and inaccurate information. 

Upon inspecting Date Opened ( XXXX ) exhibiting XX/XX/XXXX. 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 Metro 2 standards. If applicable compliance standards are not followed then my records may contain inaccurate information about myself which will affect future loans or decisions made based on those wrong assumptions. 
***XXXX  has already deleted this inaccurately reporting account because failure to reverse late payments. Experian XXXX XXXX will and must delete this account expeditiously if late payments are not reversed expeditiously. 

Account Details : Account Number : XXXX XXXX Account Description : Individual Account Status : XXXX Open Account Type : XXXX Installment Balance Owed : XXXX {$31000.00} Credit Limit : XXXX {$0.00} Creditor Remarks : XXXX XXXX Creditor Type : Auto Loan Date Opened : XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$59000.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$0.00} Payment Amount : XXXX {$970.00} Payment Status : XXXX Current Term Length : XXXX XXXX These details were never verified to be accurate, complete, timely, and validated. You must provide documented proof of compliance reporting. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX Assistant Director of Enforcement, Consumer Financial Protection Bureau Attorney General Office XXXX XXXX XXXX Florida State Senate Federal Deposit Insurance Corporation Securities Exchange Commission Comptroller of the Currency Federal Reserve System Federal Trade Commission Florida Regulatory Agency , Division of Consumer Complaints Please ensure that this letter, including all referenced statutes and specific demands, is incorporated into your official response and actions.

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