Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge according to the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof. I request accurate reporting of allegations and avoidance of unlawful claims. Please provide verifiable evidence of the account 's existence and permissible usage. If such evidence is absent, I expect the removal of the account from my report. Kindly send physical documentation of your actions and an updated credit report. 
Listed below are the Accounts that are being challenged 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 I am formally disputing the inaccurate reporting of late payments on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of all reported information and verify disputed items promptly and thoroughly.The specific account in question is : Account Name : [ Creditor Name ] Account Number : [ Account Number ] Reported Late Payment Date ( s ) : [ List dates ] Violations of Permissible Purpose and Accuracy StandardsLate payments reported on my credit file are inaccurate, incomplete, or unverifiable. Your reporting of these late payments appears to violate 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum accuracy of information.Furthermore, I question whether this account has been reported or accessed for a permissible purpose as required under 15 U.S. Code 1681b. If you are unable to demonstrate compliance with this section, the information must be immediately removed from my credit file. - Demand for Method of VerificationUnder 15 U.S. Code 1681i ( a ) ( 7 ), I demand that you provide me with a detailed explanation of the method of verification used to substantiate the accuracy of these late payments. Specifically, I require : 1. The name and contact information of the creditor or furnisher who verified the late payments. 2. Copies of any documentation that the creditor or furnisher provided as evidence. 3. A description of the process used to verify the accuracy of the disputed information.Legal Obligations and Consequences of Non-ComplianceIf you can not verify this information in full compliance with 15 U.S. Code 1681i ( a ) ( 5 ), the law mandates that the inaccurate information be deleted from my credit file immediately. Continuing to report unverifiable or inaccurate late payments constitutes a willful violation of the FCRA, exposing you to statutory damages, punitive damages, and legal costs.Required ActionsI demand that you : 1. Investigate this dispute promptly and remove all inaccurate or unverifiable late payment notations. 2. Provide me with written confirmation of the removal or correction of these items. 3.

Provide a detailed explanation of the methods used to verify these disputed items.Notice of Intent to EscalateShould you fail to comply within the statutory 30-day timeframe outlined in 15 U.S. Code 1681i ( a ) ( 1 ), I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I reserve the right to seek legal action under the FCRA to protect my rights.Please treat this letter as a formal notice of dispute. I expect an acknowledgment of receipt within five business days and resolution within the timeline required by law.

I would like to express my concern regarding the information presented above. I understand that the content has not been certified to meet any reporting standards and has not been verified or proven to be accurate, complete, or up-to-date. To ensure compliance with reporting obligations and consumer legislation, it is essential to have proper documentation.

Moreover, I kindly request that any unsupported or incorrect material be removed from the data provided. The information supplied is insufficient, and it is crucial to have accurate and reliable data. 

Also, please refer to the image above for XXXX XXXX - XXXX, which highlights areas of concern. I would appreciate it if the necessary steps could be taken to address these issues promptly and effectively. 
XXXX XXXX XXXX  - XXXX I am formally disputing the inaccurate reporting of late payments on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of all reported information and verify disputed items promptly and thoroughly.The specific account in question is : Account Name : [ Creditor Name ] Account Number : [ Account Number ] Reported Late Payment Date ( s ) : [ List dates ] Violations of Permissible Purpose and Accuracy StandardsLate payments reported on my credit file are inaccurate, incomplete, or unverifiable. Your reporting of these late payments appears to violate 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum accuracy of information.Furthermore, I question whether this account has been reported or accessed for a permissible purpose as required under 15 U.S. Code 1681b. If you are unable to demonstrate compliance with this section, the information must be immediately removed from my credit file. - Demand for Method of VerificationUnder 15 U.S. Code 1681i ( a ) ( 7 ), I demand that you provide me with a detailed explanation of the method of verification used to substantiate the accuracy of these late payments. Specifically, I require : 1. The name and contact information of the creditor or furnisher who verified the late payments. 2. Copies of any documentation that the creditor or furnisher provided as evidence. 3. A description of the process used to verify the accuracy of the disputed information.Legal Obligations and Consequences of Non-ComplianceIf you can not verify this information in full compliance with 15 U.S. Code 1681i ( a ) ( 5 ), the law mandates that the inaccurate information be deleted from my credit file immediately. Continuing to report unverifiable or inaccurate late payments constitutes a willful violation of the FCRA, exposing you to statutory damages, punitive damages, and legal costs.Required ActionsI demand that you : 1. Investigate this dispute promptly and remove all inaccurate or unverifiable late payment notations. 2. Provide me with written confirmation of the removal or correction of these items. 3.

Provide a detailed explanation of the methods used to verify these disputed items.Notice of Intent to EscalateShould you fail to comply within the statutory 30-day timeframe outlined in 15 U.S. Code 1681i ( a ) ( 1 ), I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I reserve the right to seek legal action under the FCRA to protect my rights.Please treat this letter as a formal notice of dispute. I expect an acknowledgment of receipt within five business days and resolution within the timeline required by law. 

Kindly be advised that the provided details, denoted as XXXX XXXX XXXX  - XXXX, seem to exhibit apparent inconsistencies with the mandatory standards set for ethical and compliant assertion of this particular claim. In accordance with XXXX guidelines, any divergence from the established standard raises concerns regarding the credibility of the asserted data. Observable cues suggest the presence of plausible irregularities in adhering to the essential XXXX XXXX format XXXX ( XXXX ) for accurate reporting. 

XXXX XXXX XXXX  XXXX I am formally disputing the inaccurate reporting of late payments on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of all reported information and verify disputed items promptly and thoroughly.The specific account in question is : Account Name : [ Creditor Name ] Account Number : [ Account Number ] Reported Late Payment Date ( s ) : [ List dates ] Violations of Permissible Purpose and Accuracy StandardsLate payments reported on my credit file are inaccurate, incomplete, or unverifiable. Your reporting of these late payments appears to violate 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum accuracy of information.Furthermore, I question whether this account has been reported or accessed for a permissible purpose as required under 15 U.S. Code 1681b. If you are unable to demonstrate compliance with this section, the information must be immediately removed from my credit file. - Demand for Method of VerificationUnder 15 U.S. Code 1681i ( a ) ( 7 ), I demand that you provide me with a detailed explanation of the method of verification used to substantiate the accuracy of these late payments. Specifically, I require : 1. The name and contact information of the creditor or furnisher who verified the late payments. 2. Copies of any documentation that the creditor or furnisher provided as evidence. 3. A description of the process used to verify the accuracy of the disputed information.Legal Obligations and Consequences of Non-ComplianceIf you can not verify this information in full compliance with 15 U.S. Code 1681i ( a ) ( 5 ), the law mandates that the inaccurate information be deleted from my credit file immediately. Continuing to report unverifiable or inaccurate late payments constitutes a willful violation of the FCRA, exposing you to statutory damages, punitive damages, and legal costs.Required ActionsI demand that you : 1. Investigate this dispute promptly and remove all inaccurate or unverifiable late payment notations. 2. Provide me with written confirmation of the removal or correction of these items. 3.

Provide a detailed explanation of the methods used to verify these disputed items.Notice of Intent to EscalateShould you fail to comply within the statutory 30-day timeframe outlined in 15 U.S. Code 1681i ( a ) ( 1 ), I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I reserve the right to seek legal action under the FCRA to protect my rights.Please treat this letter as a formal notice of dispute. I expect an acknowledgment of receipt within five business days and resolution within the timeline required by law.

The information presented in the upper section appears to be deficient and lacking in compliance with reporting standards. It has not been verified for accuracy, completeness, timeliness, or validation. As per applicable consumer laws and regulations, you are required to provide documented proof of compliance reporting standards. Considering the shortcomings, I kindly request the removal of any imperfect, inaccurate, incomplete, or unverified information without delay. 

Additionally, please refer to the image above for XXXX XXXX - XXXX for additional areas of concern. 

XXXX XXXX  - XXXX I am formally disputing the inaccurate reporting of late payments on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of all reported information and verify disputed items promptly and thoroughly.The specific account in question is : Account Name : [ Creditor Name ] Account Number : [ Account Number ] Reported Late Payment Date ( XXXX ) : [ List dates ] Violations of Permissible Purpose and Accuracy StandardsLate payments reported on my credit file are inaccurate, incomplete, or unverifiable. Your reporting of these late payments appears to violate 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum accuracy of information.Furthermore, I question whether this account has been reported or accessed for a permissible purpose as required under 15 U.S. Code 1681b. If you are unable to demonstrate compliance with this section, the information must be immediately removed from my credit file.Demand for Method of VerificationUnder 15 U.S. Code 1681i ( a ) ( 7 ), I demand that you provide me with a detailed explanation of the method of verification used to substantiate the accuracy of these late payments. Specifically, I require : 1. The name and contact information of the creditor or furnisher who verified the late payments. 2. Copies of any documentation that the creditor or furnisher provided as evidence. 3. A description of the process used to verify the accuracy of the disputed information.Legal Obligations and Consequences of Non-ComplianceIf you can not verify this information in full compliance with 15 U.S. Code 1681i ( a ) ( 5 ), the law mandates that the inaccurate information be deleted from my credit file immediately. Continuing to report unverifiable or inaccurate late payments constitutes a willful violation of the FCRA, exposing you to statutory damages, punitive damages, and legal costs. - Required ActionsI demand that you : 1. Investigate this dispute promptly and remove all inaccurate or unverifiable late payment notations. 2. Provide me with written confirmation of the removal or correction of these items. 3. Provide a detailed explanation of the methods used to verify these disputed items.Notice of Intent to EscalateShould you fail to comply within the statutory 30-day timeframe outlined in 15 U.S. Code 1681i ( a ) ( 1 ), I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I reserve the right to seek legal action under the FCRA to protect my rights.Please treat this letter as a formal notice of dispute. I expect an acknowledgment of receipt within five business days and resolution within the timeline required by law. 

XXXX XXXX XXXX XXXX, I kindly request your attention to the data presented above, which appears to lack proper certification to meet reporting standards. Additionally, it is important to acknowledge that this information may be incomplete, outdated, or unsupported. With utmost respect, I would appreciate your prompt consideration in removing any inaccurate or unsupported material from this page. 

XXXX XXXX XXXX - XXXX I am formally disputing the inaccurate reporting of late payments on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of all reported information and verify disputed items promptly and thoroughly.The specific account in question is : Account Name : [ Creditor Name ] Account Number : [ Account Number ] Reported Late Payment Date ( s ) : [ List dates ] Violations of Permissible Purpose and Accuracy StandardsLate payments reported on my credit file are inaccurate, incomplete, or unverifiable. Your reporting of these late payments appears to violate 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies maintain reasonable procedures to ensure maximum accuracy of information.Furthermore, I question whether this account has been reported or accessed for a permissible purpose as required under 15 U.S. Code 1681b. If you are unable to demonstrate compliance with this section, the information must be immediately removed from my credit file.Demand for Method of VerificationUnder 15 U.S. Code 1681i ( a ) ( 7 ), I demand that you provide me with a detailed explanation of the method of verification used to substantiate the accuracy of these late payments. Specifically, I require : 1. The name and contact information of the creditor or furnisher who verified the late payments. 2. Copies of any documentation that the creditor or furnisher provided as evidence. 3. A description of the process used to verify the accuracy of the disputed information.Legal Obligations and Consequences of Non-ComplianceIf you can not verify this information in full compliance with 15 U.S. Code 1681i ( a ) ( 5 ), the law mandates that the inaccurate information be deleted from my credit file immediately. Continuing to report unverifiable or inaccurate late payments constitutes a willful violation of the FCRA, exposing you to statutory damages, punitive damages, and legal costs. - Required ActionsI demand that you : 1. Investigate this dispute promptly and remove all inaccurate or unverifiable late payment notations. 2. Provide me with written confirmation of the removal or correction of these items. 3. Provide a detailed explanation of the methods used to verify these disputed items.Notice of Intent to EscalateShould you fail to comply within the statutory 30-day timeframe outlined in 15 U.S. Code 1681i ( a ) ( 1 ), I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I reserve the right to seek legal action under the FCRA to protect my rights.Please treat this letter as a formal notice of dispute. I expect an acknowledgment of receipt within five business days and resolution within the timeline required by law. 

XXXX XXXX XXXX - XXXX, I respectfully bring to your attention that the data provided above has not undergone the necessary certification process to meet established reporting standards. Additionally, it appears that this information may be incomplete, outdated, or lacking proper support. Therefore, I kindly request the removal of any inaccurate or unsupported content from this page. 

As a discerning consumer, I wish to express my reservations with regard to your reporting methodologies, which have been elucidated in the accompanying document. I hold the firm belief that your current reporting procedures are deficient and fall short of the requisite standards mandated by both the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX compliance requisites. These governing regulations, ascertaining the need for precise and punctual information dissemination, play a pivotal role in safeguarding against any potential encroachment upon my fundamental rights. 

Sincerely, XXXX XXXX

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