Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To whom it may concern : I am contesting the information on my credit report that I believe is not correct. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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 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 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 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 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, PA XXXX Page 1 of 5 The information provided above has not been certified to meet reporting standards and should be considered suspect. Any wrong, incomplete, or unsupported material should be deleted immediately. 
Also, see the image above for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Ive highlighted and circled additional areas of concern. 
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Description : Individual Account Rating : XXXX AsAgreed Account Status : XXXX Open Account Type : XXXX Installment Balance Owed : XXXX {$26000.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE RESOLVED - SUBSCRIBER DISAGREES Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$29000.00} Last Payment : XXXXXXXX XXXX Last Verified : XXXX XXXX Past Due Amount : XXXXXXXX XXXX  Payment Amount : XXXX {$670.00} Payment Frequency : XXXX -- Payment Status : XXXX AsAgreed Term Length : XXXXXXXX XXXX  Loan Type : Automobile I have stumbled upon an unexpected late payment entry for account XXXXXXXX XXXX XXXX XXXXXXXX for XXXX, XXXX on my credit report. Before taking any further action, I would appreciate your assistance in verifying this information.Should this entry prove incorrect, legal precedents such as Sarver v. Experian Information Solutions ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) guide the necessary correction to " paid as agreed, never late. '' Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Ive highlighted and circled additional areas of concern. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Page XXXX of XXXX Closed Date : XXXX XXXX Credit Limit : XXXX XXXX Creditor Remarks : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$17000.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXXXXXX XXXX  Payment Amount : XXXX {$0.00} Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXXXXXX XXXX  Loan Type : Automobile I'm disappointed that you have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws. This is a major deficiency! I demand that this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards to these matters. It's very important that we are aware of what kind of documentation we should be looking for so that we don't get caught flat-footed when things go south later down the road and an issue which may have been preventable occurs due to a lack of accurate information. 
Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Revolving Balance Owed : XXXX {$820.00} Closed Date : XXXX XXXX  Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE RESOLVED - SUBSCRIBER DISAGREES Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$750.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Page 3 of 5 Payment Amount XXXX XXXX {$0.00} Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX -- Loan Type : XXXX The information in the article above has never been certified to meet reporting standards. The data provided is not always accurate, complete, or up to date. I demand that any wrong, incomplete, or unsupported material be deleted. 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). Ive highlighted and circled additional areas of concern. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX Account Description : Individual Account Rating : XXXX Late30Days Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Closed Date : XXXX -- Credit Limit : XXXX XXXX Creditor Remarks : XXXX DISPUTE OF ACCOUNT INFORMATION/CLOSED BY CONSUMER Creditor Type : - Banking Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXXXXXX XXXX  High Balance : XXXX {$2500.00} Last Payment : XXXXXXXX XXXX Last Verified : XXXX XXXX Past Due Amount : XXXXXXXX XXXX Payment Amount : XXXX {$0.00} Payment Frequency : XXXX XXXX Payment Status : XXXX Late30Days Term Length : XXXXXXXX XXXX Loan Type : Secured The information provided above has not been verified and XXXX not meet reporting standards. I insist that any incorrect or unsupported data be removed. 
Also, see the image above for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Ive highlighted and circled additional areas of concern. 
In appreciation The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well Metro 2 XXXX  it needs certified compliant. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Page 4 of 5 Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, NC XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as 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 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I

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