Consumer complaint received 2024-06-08 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: TN

Complaint narrative:
XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX 
XXXX, TN. XXXX Email : XXXX XXXX : XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Subject : Dispute of Bankruptcy Information on My Credit Report under FCRA To XXXX it XXXX concern, I would like to formally dispute any information on my credit report that I believe is inaccurate, as permitted by the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA requires all data included in a consumer 's file to be documented and validated before it can be used by creditors, and I take this matter seriously. I respectfully disagree with the allegations of delinquency and derogatoriness against me, as they are false. I believe that the accuracy of my credit report is crucial, and I ask that you maintain and report data with complete accuracy and compliance. As per the law and reporting standards METRO2+, it is imperative that all claims made are accurate and reported in the correct format.

I kindly request that you provide evidence to support the negative status of my accounts and the permissible purpose for any inquiry or account within my report. I understand that it may take some time to investigate this matter, so I am giving you a period of 30 days from the date of this letter to review and make the necessary corrections. I would appreciate receiving physical proof of your actions and my updated credit report. 
The allegations listed in my report appear to be inaccurate because I have never entered in a legal binding contract with any government agency or proprietary function retained by any state or local agency regardless of physical form or characteristics, and I kindly request that you provide accurate and verified information for each claim. If the allegations are found to be untrue, I request that you delete them from my report. 


**This collection account is not accurate, verifiable, nor is it compliant to XXXX or FCRA laws. 
Fraudulent misrepresentation is a crime punishable by the law and you are committing it! Also, you are violating my consumer rights to fair credit reporting, Please delete this off my report! *** We would like to kindly remind you of the importance of removing any unproven or inadequately supported claims from your report concerning Chapter XXXX and XXXX bankruptcies. 

The main XXXX, XXXX and EXPERIAN Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. 
PUBLIC RECORDS DETAILS AND TYPE : CHAPTER XXXX AND XXXX FILING : Items listed in Red below that are being disputed. 
Item Name : XXXX XXXX XXXX XXXX Date associated with this account : Identification number : As the data reporting provider, as is imperative that you adhere to the minimal criteria required to report with the conditional privilege to do so. Failure to meet these standards raises concerns about the validity of all claims that you make. In the interest of ensuring the accuracy and integrity of the credit reporting system, we dispute the reportability of any claim that you fail to prove conclusively, especially with regards to the mandatory Metro 2 Compliance standards. As you are aware, these standards are clearly outlined in the XXXX 's nearly annual XXXX, which stipulates that any deviation from these standards risks compromising the integrity of the data. 
Therefore, we kindly request that you demonstrate the veracity of all allegations and comply with the requisite reporting practices to be deemed certifiably compliant. If there is no response or if you fail to respond within 30 days, then it shall be my right to pursue all available legal and equitable remedies, including, but not limited to, instituting formal litigation proceedings against you. You may contact me at the above address if you have any questions. 
We appreciate your attention to this matter and look forward to a prompt resolution. 
Sincerely, XXXX 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