Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX character format fielded XXXX statements, pay status codes, XXXX XXXXXXXX and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX XXXX XXXX - XXXX - I have never been late on this account. It has been deferred because I am still in school. I'm concerned about the report of 60 days late without first being marked as 30 days late, which is a major error. Please verify that all information, including name spelling, address, and any other details, is accurate. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), ensure all information is correct and remove any incomplete or inaccurate details and negative marks. 

XXXX XXXX XXXX - XXXX - I have never been late on this account. It has been deferred because I am still in school. I'm concerned about the report of 60 days late without first being marked as 30 days late, which is a major error. Please verify that all information, including name spelling, address, and any other details, is accurate. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), ensure all information is correct and remove any incomplete or inaccurate details and negative marks. 

XXXX XXXX XXXX - XXXX - I have never been late on this account. It has been deferred because I am still in school. I'm concerned about the report of 60 days late without first being marked as 30 days late, which is a major error. Please verify that all information, including name spelling, address, and any other details, is accurate. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), ensure all information is correct and remove any incomplete or inaccurate details and negative marks. 

XXXX XXXX XXXX - XXXX - According to my records, I have never been late on this account. It appears that there are reports of 120 or 180 days late without a preceding 30 or 60 days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX - XX/XX/year> - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/year> - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/year> - XXXX haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX XXXX XXXXXX/XX/year> - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX XXXX XXXX XXXX XXXX Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX XXXX - XX/XX/year> - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX XXXX - XX/XX/year> - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report?

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