Consumer complaint received 2025-01-10 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 
Listed below are the Collections 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 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 account Comments BS-19 Under 15 USC 1681i ( a ) ( 1 ) this account is in violation of accurate reporting. You are required to investigate the claim and either verify the accuracy of the information or remove it if it is found to be inaccurate. - This is completely inaccurate.

I regret to express my disappointment regarding your failure to furnish comprehensive documentation substantiating your adherence to compliance reporting standards and relevant consumer laws. This glaring deficiency is of utmost concern. I hereby insist that this flawed and inaccurate report be expunged without delay, failing which, legal recourse shall be pursued against your company for its non-compliance with specific statutory requirements pertaining to these matters. It is imperative that we possess a thorough understanding of the content showcased in documentaries to safeguard against potential unforeseen issues that could have been averted had meticulous attention and conscientiousness been prioritized over mere convenience.

I would like to draw your attention to an Account Type Details : Unknown - credit extension, review, or collection that has been identified in the report. It appears that the data pertaining to this account may be inaccurate or inconsistent with the established reporting standards of the CDIA. I kindly request that you thoroughly review the information once again, ensuring its validity, accuracy, completeness ( within the given timeframe ), verification, and compliance with all necessary requirements. If, upon reevaluation, the data does not meet these criteria, I respectfully request that my profile be removed.

I would like to draw your attention to the presence of Account Status ( BS-17A ) : Closed as reported in the document. The information pertaining to this account seems to be erroneous or inconsistent with the established reporting standards of the CDIA. I kindly request you to reassess the data and ensure its veracity, 1 of 3 accuracy, timeliness, verification, and compliance with all necessary requirements. If any discrepancies are found, I kindly urge you to remove my profile accordingly.

I wish to draw your attention to an anomaly denoted by Payment Status ( BS-17B ) : Collection/Chargeoff as identified within the report. It has come to my attention that the data pertaining to this account appears to deviate from established reporting standards set forth by the CDIA, exhibiting potential inaccuracies and inconsistencies. I kindly request a thorough review of this matter to ensure its veracity, accuracy, timeliness, verification, and compliance with all requisite criteria. Should these conditions not be met, I respectfully ask for the removal of my profile.

I would like to bring to your attention the reported information concerning No. of Months ( terms ) ( BS-13 ) : 1, which appears to deviate from the necessary standards for compliant reporting. Consequently, I feel obliged to file a complaint challenging the reporter 's privilege to report this claim unless they can provide proof of their confirmed and demonstrated adequacy of reporting practices and processes, including full adherence to the Credit Reporting Industry 's mandatory Metro 2 Format standards. 
The reported Last Reported : XX/XX/XXXX is not consistent across all credit bureaus. It indicates a deviation from the required reporting standards and raises concerns about the accuracy and completeness of the reported information. This field is crucial for compliant reporting, and any divergence from the established CDIA reporting standards or any inaccuracies, inconsistencies, incompleteness, untimeliness, unverifiability, or noncompliance with ethical and legal reporting mandates must be addressed and rectified to ensure certifiable compliance.

The reported Date Last Active ( BS-8 ) : XX/XX/XXXX is not consistent across all credit reporting agencies. This deviation from standard reporting practices raises concerns about the accuracy and completeness of the reported information. It is imperative that all credit reporting agencies comply with regulatory mandates and ensure that reported information is valid and certifiably compliant. The reported deficiency in reporting sufficiency and non-compliance with regulatory mandates must be rectified. 
The reported information regarding Date of Last Payment ( BS-27 ) : - appears to deviate from the necessary standards for compliant reporting. As a result, I am filing a complaint challenging the reporter 's privilege to report this claim unless they can demonstrate their confirmed and demonstrated adequacy of reporting practices and processes, including full adherence to the Credit Reporting Industry 's mandatory Metro 2 Format standards. It is apparent that one or more of the reported Last Verified information is deficient in its reporting proficiency. Therefore, the reporter must prove indisputably that their reporting is accurate, complete, and compliant with industry standards.

The reporting of 7 Year History : 30 : 0 60 : 0 90 : 0 is not confirmed to be valid, accurate, or compliant with credit reporting industry standards. It's important to note that CDIA has stated that any deviation from these standards results in deficient reporting and requires the removal of the claim ( s ) until they can be proven to be compliant with legal requirements. This action must be taken, even if there is evidence of misapplication, willful ignorance, or negligence in reporting practices. Any deviations, such as those listed below, should be considered sufficient grounds to remove the claim ( s ) from reporting. 
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 BS-19 Under 15 USC 1681i ( a ) ( 1 ) this account is in violation of accurate reporting. You are required to investigate the claim and either verify the accuracy of the information or remove it if it is found to be inaccurate. - This is completely inaccurate.

I am deeply disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which is a significant deficiency. I demand the immediate deletion of this flawed and inaccurate report, or else legal action will be taken against your company for non-compliance with the relevant legal requirements. It is crucial for us to have accurate information from documentaries to avoid unforeseen complications in the future, which could have been preventable with proper care for accuracy over mere convenience. 
It is with great disappointment and concern that I must register a complaint regarding the reported information pertaining to Account Status ( BS-17A ) : Closed. The information in question appears to deviate significantly from the essential standards required for compliant reporting. Therefore, I am challenging the reporter 's privilege to report this claim unless they can provide irrefutable evidence of their confirmed and demonstrated adequacy of reporting practices and processes, which must include complete adherence to the Credit Reporting Industry 's mandatory Metro 2 Format standards. It is evident that one or more of the reported Last Verified information is deficient in its reporting proficiency, which is unacceptable. As such, it is imperative that the reporter demonstrates the accuracy, completeness, and compliance of their reporting with industry standards to avoid any further discrepancies.

It is with a sense of disappointment and concern that I must lodge a complaint regarding the reported information concerning Date Last Active ( BS-8 ) : XX/XX/XXXX. It appears that the information provided deviates from the necessary standards for compliant reporting, which is unacceptable. Therefore, I am challenging the reporter 's privilege to report this claim unless they can demonstrate their confirmed and demonstrated adequacy of reporting practices and processes, which must include full adherence to the Credit Reporting Industry 's mandatory Metro 2 Format standards. It is evident that one or more of the reported Last Verified information is deficient in terms of reporting proficiency. It is crucial that the reporter incontrovertibly proves the accuracy, completeness, and compliance of their reporting with the industry standards. This situation requires a prompt resolution to ensure that the trust and integrity of the reporting process are maintained.

I wish to express my concern and disappointment regarding the presence of Date Opened ( BS-10 ) : XX/XX/XXXX in the report. Regrettably, it has come to my attention that the data related to this account does not align with the established reporting standards of the CDIA, raising concerns about its accuracy and compliance. I kindly request a thorough reevaluation to ensure the veracity, precision, timeliness, verification, and full compliance with all necessary requirements. In the event that these expectations are not met, I respectfully request the removal of my profile. 
Please be advised that I have no intention of renewing the expired statute of limitations, and therefore I kindly request that you cease all further contact with me. I anticipate that this will be our final communication on 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