Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX To whom it may concern, It is clear that the claim made against me is unjust and has caused significant harm to my personal, emotional, and financial well-being, as well as my creditworthiness. I am challenging your assumed privilege to report this claim and requesting proof that your reporting practices are ethical, lawful, and compliant with all necessary requirements. My concern is not with the right to collect, but with the apparent lack of fair reporting practices in relation to the specific claim made against me. 

I am challenging all data reporting furnishers and receiving repositories to provide physical documentation demonstrating their compliance with all reporting processes, including adherence to the CDIA 's most recent industry standards and applicable federal and state regulations. Any deviation from these standards jeopardizes the integrity of the data, and it is not acceptable for entities to report or accept reporting that is non-compliant, whether done knowingly or unknowingly. The minimum standard for reporting is maximum possible accuracy and completion within perfect fidelity to the mandated XXXX XXXX format reporting standards as outlined in the CDIA 's most current CRRG. All data reporting furnishers and receiving repositories should have been compliant in the reporting process, and any deviation from these standards is unacceptable. 
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.00} XXXX XXXX XX/XX/XXXX (! ) Account XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Code Individual (! ) Monthly Payment XXXX {$0.00} (! ) 7 Year XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, was past due 60 days (! ) No. of Months ( terms ) BS-13 Revolving (! ) Comments BS-19 CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS This item was fraudulently misrepresented - I will alert the issuing bank of this fraud unless you agree in writing to remove the debt immediately. - This is inaccurately reporting on my report. 

Kindly note the account details : XXXX  XXXX - XXXX. The mentioned item, as brought to attention, exhibits certain deviations from the prescribed ethical and compliant reporting standards applicable to such claims. In accordance with CDIA guidelines, any variance from the established standard raises concerns about the veracity of the reported data. Evidences suggest possible inconsistencies in adhering to the mandated certifiable XXXX XXXX format Standard ( s ) for reporting.

XXXX XXXX XXXX Auto Lease Balance : {$0.00} Account # XXXX XXXX Credit XXXX XXXX XXXX XXXX! ) Last Reported XX/XX/XXXX (! ) Account XXXX XXXX XXXX (! ) High Credit XXXX {$0.00} (! ) Date Last Active XXXX XX/XX/XXXX (! ) Account XXXX XXXX XXXX XXXX (! ) Balance XXXX {$0.00} Date of Last Payment XXXX - Account Status XXXX Closed Past Due XXXX - Date Opened XXXX XX/XX/XXXX XXXX Code Individual (! ) Monthly Payment XXXX {$0.00} (! ) 7 Year XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, was past due 30 days (! ) No. of Months ( terms ) XXXX 51 Months (! ) Comments XXXX FIXED RATE This item was fraudulently misrepresented - I will alert the issuing bank of this fraud unless you agree in writing to remove the debt immediately. - This is paid as agreed and should not be reporting negatively on my report. This is inaccurately reporting on my report. 

I regret to express my disappointment regarding the absence of documented evidence for compliance reporting standards and applicable consumer laws, which represents a significant deficiency. I hereby insist that this flawed and inaccurate report be promptly deleted, as failure to do so may result in legal action against your company for non-compliance with specific legal requirements pertaining to compliance and consumer protection. It is of utmost importance that we possess precise and reliable information to preempt any potential issues in the future. Regrettably, it appears that your seriousness in addressing this matter has been lacking, and I fear that resorting to legal measures may be inevitable. 

XXXX Charge Card Balance : {$0.00} Account # XXXX XXXX Credit Limit XXXX {$100.00} XXXX XXXX XX/XX/XXXX (! ) Account XXXX XXXX XXXX (! ) High Credit XXXX {$550.00} Date Last Active XXXX XX/XX/XXXX (! ) Account XXXX XXXX XXXX XXXX (! ) XXXX XXXX- (! ) Date of Last Payment XXXX - Account Status XXXX Closed Past Due XXXX - Date Opened XXXX XX/XX/XXXX XXXX Code Individual (! ) Monthly Payment XXXX - (! ) 7 Year XXXX XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX XXXX XXXX XXXX, was past due 150 days (! ) No. of Months ( terms ) XXXX Revolving (! ) Comments XXXX CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS This item was fraudulently misrepresented - I will alert the issuing bank of this fraud unless you agree in writing to remove the debt immediately. - This is inaccurately reporting on my report. 

The account associated with the name XXXX and XXXX corresponding account number XXXX, as indicated in my report, lacks substantiated evidence of its validity, accuracy, completeness, and compliance with certified reporting standards. It is important to acknowledge the fact that the XXXX XXXX XXXX XXXX XXXX XXXX ) itself has either implied or explicitly stated that any deviation from the law or established credit reporting industry standards renders a claim deficient. Consequently, it is imperative to remove any and all such claims from reporting, with the condition that they can only be reintroduced if they can be proven to be lawfully compliant with all requirements for legitimate reporting. This action is necessary, irrespective of any apparent misapplication, willful ignorance, or reckless negligence on your part regarding your reporting practices and claims. It is essential to take note of any deviations, including but not limited to the following issues, as sufficient grounds for the appropriate elimination of the claim 's reportability. 

XXXX CARD Charge Card Balance : {$5200.00} Account # XXXX XXXX Credit XXXX XXXX {$5700.00} Last Reported XX/XX/XXXX (! ) Account XXXX XXXX XXXX (! ) High Credit XXXX {$5200.00} (! ) Date Last Active XXXX XX/XX/XXXX (! ) Account XXXX XXXX XXXX XXXX (! ) Balance XXXX {$5200.00} Date of Last Payment XXXX - Account Status XXXX Closed Past Due XXXX - Date Opened XXXX XX/XX/XXXX XXXX Code Individual (! ) Monthly Payment XXXX - (! ) 7 Year XXXX XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX XXXX XXXX XXXX (! ) No. of Months ( terms ) XXXX Revolving (! ) Comments BS-19 CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS This item was fraudulently misrepresented - I will alert the issuing bank of this fraud unless you agree in writing to remove the debt immediately. - This is inaccurately reporting on my report. 

I regret to express my profound disappointment regarding the inadequate state of the information pertaining to XXXX XXXX  and XXXX within your esteemed database. It has come to my attention that the data therein is not contemporaneous and does not adhere to the requisite benchmarks of accuracy. Regrettably, the gravity of this matter necessitates my intimation that failure to promptly rectify this situation may compel me to pursue legal recourse. It is imperative to underscore that inaccurate and flawed information is incompatible with the standards expected of your database, and its persistence on my credit report is unwarranted. Thus, I beseech you to expeditiously expunge this data from your records. 

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. 

Thank you for your time and help in this matter. 

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