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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Today 's Date is : XX/XX/XXXX XX/XX/XXXX Resource for Report Information is : XXXX My Date of Birth is [ XX/XX/XXXX ] My Social Security Numbers Last Four is [ XXXX ] RE : This letter acts as my lawful and rightful consumer compte rendu of recent and currently discovered item ( s ) with potential misinformation not certifiably compliant in reporting and or elsewise appears likely deficient in its reporting status as reported when reported. Additionally, this notification consummates my consumer rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately established a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository! 
Sir/Maam, I am writing you with this formal grievance and a suggestion for prompt action ( s ) on your part. You are non-compliantly reporting wrongly to the major credit bureaus and damaging my credit. You are in contravention of the FCRA aka the Fair Credit Reporting Act. The breaches perchance might qualify for subject to fines and damages. I am providing you but this one last contingency for resolution of this account. Previously, I had sent you a letter advising you that you were inaccurately reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to modify appropriately my file. Due to your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non- compliantly reported in that it insinuates that my sent notice was disappointingly abhorred. 
***************************************************************************************************** Please utilize the following XXXX  to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required XXXX  Base Segment Character Format XXXX  Header Record ... XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX  Trailer Record ... XXXX  Header Record Packed Format XXXX  Base Segment Packed Format XXXX Trailer Record Packed Format XXXX Data Furnisher # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX essentially stands for Not Metro2/ Translated within Cra/and or is Unknown XXXX  XXXX XXXX Experian XXXX Missing but Required Reported E Potential Error I Inconsistent N Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not Attack XXXX Mixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Fair Credit Reporting Act ***************************************************************************************************** Page 1 of 5 Impugn from reporting now or correct as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : Consumer 's Primary Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***************************************************************************************************** REMOVE the display reported Consumer 's Primary Name ( s ) of and and as my REQUISITE REPORTED CURRENT CORRECT COMPLETE FIRST & LAST NAME XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
***************************************************************************************************** Consumer 's Other Name ( s ) : XXXX XXXX XXXX ***************************************************************************************************** ***************************************************************************************************** Consumer 's Current Residence : XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX ***************************************************************************************************** REMOVE the display reported Consumer 's Current Residence ( s ) oXXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
***************************************************************************************************** Consumer 's Previous Residence : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date Updated : XX/XX/XXXX -- ***************************************************************************************************** REMOVE the display reported Consumer 's Previous Residence ( s ) of -- and and -- as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
***************************************************************************************************** Consumer 's Reported Employer ( s ) : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX ***************************************************************************************************** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE the display reported Consumer 's Other Names ( s ) of -- and -- and -- as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Other Names is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
XXXX XXXX XXXX OH XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date Updated : XX/XX/XXXX REMOVE the display reported Consumer 's Reported Employers ( s ) of and XXXX XXXX  Date Updated : XX/XX/XXXX and as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Reported Employers is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 
XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX ***************************************************************************************************** Consumer 's Birth Year : XXXX XXXX XXXX ***************************************************************************************************** ***************************************************************************************************** The above, as displayed above, constitutes again as yet another rightful attempt on my part to work with you so together we can better resolve this issue before I have no other choice other than consider taking legal action versus you seeking not only monetary damages and awards versus you but as well penalties withstanding for each all and any of y o u r injurious, negligent, reckless, non-compliant reported items of falsity, be it. Your reporting imprecision are costing me unfair rejections of credit, and unjustly inflated interest rates. I am furnishing to you the following suggested better courses of action for adequate rectification ( s ) : So, we are each acting in transparency, please understand that I will accept no less than the confirmed regulatorily mandated reported lawfully compliant claim ( s ) information versus me to be alleged yet uncontested. All claims MUST be to a maximum POSSIBLE ACCURACY and MAXIMUM POSSIBLE COMPLETENESS, yet these claim ( s ) aspects are more exposing of reporting deviations or inadequacies elsewise, each potentially jeopardizing the integrity of the claim ( s ) alleged ( SEE XXXX XXXX XXXX ). In fact, I will grant to you up to 7 days from the receipt of this letter t o behave with undeniable adequacy and fairness muchless with sure maximum possible correctness and completeness in total compliance of reporting requirements expectable of and from you, else legal action may well be the direction I have elected to have then taken. If I take legal action, I assure you that the cost will be much higher to your company. It will benefit both parties to take immediate action. By selecting one of the available options I have provided, I will consider this matter settled and pursue no further action ( s ). I must demand that the verification ( s ) and validation ( s ) of certifiably compliant reporting in agreement with each any and all aspects of I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputatious as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Explain now the Proof each any and all claim ( s ) Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX P.s. My NEXT letter will be a notification of my LOITS!! So that you do not need for a legal dictionary, a LOITS notice is a Letter Of Intent To Suit! You BEST be PROVEN COMPLIANT to ALL requirements and standards of FCRA COMPLIANCE and also of the implemented XXXX enacted XXXX implementedMetro2 Compliance mandates as well. I will demand verification that each employee at REMOVE the display reported Consumer 's Birth Year ( s ) of XXXX and XXXX and XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Birth Year : is XX/XX/XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 


your firm which MIGHT have seen or conducted any business on the file you allege mine has been properly trained by a certified and qualified instructor of the Metro 2 data field formatted reporting standards. I am NOT shy in detailing my DOUBTS you can withstand the requisites to survive a court hearing versus me as I leverage your DEFICIENCIES for a slew of victories being awarded a minimum of {$1000.00} PER VIOLATION PER TIME, and there certainly appears to be a bucket full. So, lets do this! Anything OTHER than your letter describing to me that you have already begun or completed the annulment of these unproven claims versus me and have eradicated ENTIRELY any and all aspects of records of what you allege being mine ( yeah! ) will IMMEDIATE compel me to assume your hostile to my demands of proper reporting and I will assume that your ignorance of appropriate and adequate duties are willful and intentionally injurious. Being such, civil suits are obvious however criminal charges are not out the question, particularly if your chicanery-led subterfuge brings forth or allows.

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