Consumer complaint received 2025-06-04 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: NJ

Complaint narrative:
I am writing in response to a credit report that I recently received, which suggests that I owe you a certain amount. However, I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me.

If the reported item ( s ) are potentially deficient in the mandatory documentary evidence of physically verified factual proof of the truth of the claim, truth of reporting, accuracy of the claim, correctness of reporting, completeness of the claim, fullness of reporting, timeliness of the claim, timeliness of reporting, ownership or responsibility otherwise of the claim, ownership or responsibility otherwise of the reporting, and/or the complete and proper certified Metro 2 format reporting standards, I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer. 

I want to make it clear that you have no right to act in dereliction, as you are holding me under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my requestas demanded, and as is otherwise mandatory to retain or regain compliance of reportingyou do so no later than 20 days from your receipt of this lawful notice of consumer complaint. If not, you must immediately and permanently cease any and all derogatory and/or injurious actions against me, including but not limited to the improper actions of reporting and/or collecting unverified, untrue, invalid, or otherwise not certifiably compliant claim ( s ) and/or debt ( s ).

You are reporting a collection/charge-off account across all three bureaus, but the data is inconsistent, unverifiable, and in clear violation of the FCRA and Metro 2 guidelines. The balance, status, and dates do not align, and none of the bureaus have provided sufficient validation of the debt. Under 15 U.S. Code 1681i and 1681s-2, you are legally obligated to report only accurate and verifiable informationand you are failing to do that. If this account has already been deleted by another bureau due to lack of verification, you have no legal basis to continue reporting it. Delete this unverifiable account immediately or provide full documentation that proves its accuracy and compliance. 

We would like to bring to your attention the inconsistency pertaining to the currently reported XXXX account, with the account number displayed as XXXXXXXX XXXX XXXX XXXX XXXX, which has been observed across the three credit reporting agencies. It is your obligation to ensure that all reported items comply with the mandated reporting industrys own Metro 2 Data-Filled Field Formatted Reporting Compliance Standards. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a discrepancy from these standards, which must not deviate in order to maintain the integrity of the data, as stated in CDIA CRRG 3-4.

As such, until there is evident confirmation of all aspect ( s ) of the claim ( s ) that are factually true, correct, complete, timely, physically verifiable, and otherwise undeniably validparticularly if not certifiably compliant in full according to the aforementioned Metro 2 formatted industry requirementsthe reported item in question remains lawfully questionable. 

I kindly wish to draw your attention to an error in the Date Opened ( BS-10 ) : XX/XX/XXXX, as stated in the report. It has come to my attention that the data pertaining to this account may be erroneous or incoherent with the prescribed reporting norms set forth by the CDIA. I humbly request that you reconsider the matter and provide substantiation for the accuracy, completeness ( within the designated timeframe ), verification, and adherence to all relevant requirements. Should these conditions not be met, I would greatly appreciate the removal of the item from my profile. 

I also wish to draw your attention to an anomaly denoted by High Credit ( BS-12 ) : {$160.00}, as identified within the report. It has come to my attention that the data pertaining to this account appears to deviate from established reporting standards set forth by the CDIA, exhibiting potential inaccuracies and inconsistencies. I kindly request a thorough review of this matter to ensure its veracity, accuracy, timeliness, verification, and compliance with all requisite criteria. Should these conditions not be met, I respectfully request the removal of the item from my profile. 

Additionally, we would like to bring to your attention that there is no confirmation that the reporting of Credit Limit ( XXXX ) : {$0.00} is valid, accurate, or compliant with credit reporting industry standards. We would like to highlight that the CDIA has explicitly stated that any deviation from these standards results in deficient reporting, and any claims must be removed until they can be proven to be compliant with legal requirements. We emphasize that this action must be taken regardless of any evidence of misapplication, willful ignorance, or negligence in reporting practices. As such, any deviationssuch as those listed belowshould be considered sufficient grounds for the removal of the claim ( s ) from reporting. We would appreciate your prompt attention to this matter to ensure adherence to all ethical and legal reporting practices. 

I also wish to draw your attention to the issue of inconsistency in the reporting of Last Reported : XX/XX/XXXX across the three credit reporting agencies. It has come to my attention that this reporting may be non-compliant with the established CDIAs reporting standards and may be untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and/or not confirmed to be compliant with all mandates for ethical and lawful reporting. This field suggests that this item of reporting XXXX potentially pose an issue with reporting accuracy and compliance standards, which is a matter of grave concern. Therefore, I would appreciate your immediate attention to this matter to ensure that such discrepancies are addressed and that future reporting is accurate, complete, and compliant with the established standards. 

Furthermore, I wish to draw your esteemed attention to an anomaly denoted as Date Last Active ( BS-8 ) : XX/XX/XXXX, which has been duly documented in the report. It has come to my attention that the information pertaining to this particular account appears to be deficient in accuracy and is incongruent with the well-established reporting standards of the CDIA. With the utmost respect, I humbly request that you revisit this matter and verify the veracity, completeness, timeliness, and compliance with all requisite standardsor, if not, I respectfully request the removal of my profile. Your prompt and diligent attention to this matter would be greatly appreciated. 

We would also like to respectfully draw your attention to the reported Date of Last Payment ( BS-27 ) : XX/XX/XXXX, which can not be confirmed as valid, accurate, or compliant with the established standards of the credit reporting industry. We remind you that the CDIA has clearly stated that any deviation from these standards results in deficient reporting and requires the immediate removal of the claim ( s ) until they can be proven to be compliant with all legal requirements. Even in the presence of evidence of misapplication, willful ignorance, or negligence in reporting practices, this corrective action must be taken to ensure compliance. We respectfully urge you to consider any such deviations as sufficient grounds for removing the claim ( s ) from reporting.

Additionally, I kindly wish to draw your attention to the matter of 7-Year History : 30 : 1, 60 : 1, 90 : 18, as identified within the report. It has come to my attention that the data pertaining to this account exhibits discrepancies that appear to deviate from the established reporting standards of the CDIA. I humbly request your reconsideration of this information with a view toward ensuring its fidelity, accuracy, timeliness, verification, and compliance with all stipulated requirements. Should this information not align with the prescribed standards, I respectfully request the removal of my profile from consideration. Your prompt attention to this matter is greatly appreciated. 

To ensure clarity, I require that all claims made against me are accurate and complete and comply with regulatory requirements. Any discrepancies or inadequacies in the claims could compromise their integrity, as per CDIAs CRRG 34. I am willing to give you 7 days from the date of this letter to review and modify the claims to meet the necessary standards of accuracy, completeness, and fairness. Failure to do so may result in legal action, which will come at a much higher cost to your company. It is in both our interests to resolve this matter promptly. 

To verify compliant reporting, I request a notarized statement from a person with direct knowledge of the debt, confirming that : The debt was legally incurred, It is not disputed due to returned, faulty, or recalled products, It was not claimed as a tax deduction or insurance loss during the time it was payable.

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