Consumer complaint received 2024-12-16 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: MI

Complaint narrative:
My state and applicable federal reporting regulations require that no claim of negativity is divulged unsubstantiated, unfairly, untruthfully, unproven, spuriously nor elsewise potentially as questionably. With this, I demand removal from reporting or necessarily with substantial modification of the still yet not demonstrated claim ( s ), as currently listed, to a status undoubtable in its principled and compliant reporting. Do so in particularly for at least the following listed dubious claim ( s ) apparently with potential deficiencies of reporting : PLEASE NOW REMOVE FROM REPORTING THE FOLLOWING : # XXXX XXXX XXXX XXXX XXXXXXXX ALLEGED LateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE NOW REMOVE FROM REPORTING THE FOLLOWING : # 2 XXXX XXXX XXXX XXXXXXXX ALLEGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE NOW REMOVE FROM REPORTING THE FOLLOWING : # 3 XXXX XXXX XXXX XXXXXXXX ALLEGED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please understand that to date, I've no knowledge that each or even ANY OF these described claims are disclosed fairly or even with regard to anything other than significantly less than necessarily required adherence to requisites of reporting standards and or even reporting laws in order to so be assumed having had been ethically claimed without deviation ( s ) from the aforementioned credit reporting mandates and standards nor else known to be expressed unquestionably impartial accurate entire timely truly and factually. 

How could I or anyone else for that matter made assumptions otherwise? 

Being so devastatingly suspect, understand here and now this notice is my official written complaint signaling to you that each any and all such of the offending claim 's data reporting furnisher ( s ) and each any and all accepting data repository ( ies ) prior-assumed privilege ( s ) to report claims aberrant or divergent from any of the minimal reporting standards and or mandates is here now and continually onwards CONTESTED. 

Further, assuming that the related entities will likely resist by claiming their reporting was indeed executed in adequacy, as is within my consumer rights to do so I here and now demand each any and all of the claim 's data reporting furnisher ( s ) and as well each any and all of the accepting data repository ( ies ) to demonstrate undeniable physical evidence showcasing precise proof of their having satisfied no lesser than at least the minimal criterion to have used that privilege to ethically report allegations of delinquencies and or claims of derogatoriness surely to be rumored injurious and negatively versus me.

Documenting the certified compliant reporting process ( es ) will meet my desired proof, particularly that highlighting the adherence to the utilized and unabridged Metro 2 Data-filled Field Formatted Reporting Standards for Compliant reporting certainty in total accordance with the FCBA, FCRA, ECOA, and any of the applicable state reporting laws!

In light of my consumer rights and in consideration of your seeming apparent or potential not attestably compliant reporting without omissions or deviations of required reputed details, I demand that you immediately remove from reporting until your required investigation results in you acting to efface from reporting or modify each any and or all aspects of reporting claims to the irrefutably factual physically verifiable validity of said accusation ( s ) of which all are indeed to have met the minimal criterion to report as if were of a certified compliance as recorded, which to date has not been substantiated as needed for lawful collection and the mandatory compliant reporting with of current expectation ( s ) standing in full accordance of my state 's and the applicable federal regulations and standards of practice, mentioned or not, unfeigned or not! 

Chronicle now each, any, and all data of allegation ( s ) here questioned to include no less than evidence of each any and all remarks, notations, dates, balances, account statuses, audits and calculations, identities and personal identifiers, payment ratings, and compliance codes, the mandatory 426-character P6 and all of its trailing fragments, creditor classification code ( s ) and all 386-pieces of confirmation to collect ( itions ), and even each any and all preconditioned to be aspects of fair, accurate, accurate, adequately outright, timely, physically verified ( iable ), documented valid ( ate-able ), and irrefutably licitly proclaimed compliantly reported compliant information. 

If were able, Your undoubtable reporting would satisfy each and more of the FCBA, FCRA, ECOA, AND any applicable state laws if indeed perfectly in accordance with minimum mandates. Had you evidence to having adhered to perfect correct and Complete METRO 2 FORMAT reporting standards, each any and all requisites of it, be them mentioned or not, will have ensured your adequacy of lawful reporting. 

Unfortunately, that assurance is still yet absent, hence this official written notification of my righted consumer complaint contesting the assumed satisfied criteria for which renders a data reporting furnisher the very privilege to report, and my call for to any and all entities involved with the reporting of negativity versus me to demonstrate confirmed proof certifying the fact no claim was made of at least the minimal mandates of by-law reporting to a degree no lesser than that of a MAXIMUM POSSIBLE ACCURACY AND A MAXIMUM POSSIBLE COMPLETENESS. 

Ensure your reporting is indeed veridical and equitable else remove now and permanently.

Company response to consumer: Closed with explanation