Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX is completely accurate.It 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act andthat other consumer might be affected Having this type of information on a person'sa credit report is unfortunate and severely damaging, but having incorrect damaging information ona person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with atXXXX XXXX INQUIRY, INQUIRY, INQUIRY, XXXX XXXX XXXX INQUIRY, XXXX XXXX XXXX XXXX XXXX, INQUIRY and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. 

XXXX XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, INQUIRY - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, INQUIRY - XX/XX/XXXX As I have said, this account is incorrect and should be deleted entirely. Please send me anupdated credit report along with the investigation procedures. 

FYI, I DO NOT want a generalizedresponse stating what you typically do in an investigation. 

XXXX I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX is completely accurate.It 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act andthat other consumer might be affected Having this type of information on a person'sa credit report is unfortunate and severely damaging, but having incorrect damaging information ona person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with atXXXX XXXX INQUIRY, INQUIRY, INQUIRY, XXXX XXXX XXXX INQUIRY, XXXX XXXX XXXX XXXX XXXX, INQUIRY and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. 

XXXX XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, INQUIRY - XX/XX/XXXX, XXXX XXXX  - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, INQUIRY - XX/XX/XXXX As I have said, this account is incorrect and should be deleted entirely. Please send me anupdated credit report along with the investigation procedures. 
XXXX I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX is completely accurate.It 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act andthat other consumer might be affected Having this type of information on a person'sa credit report is unfortunate and severely damaging, but having incorrect damaging information ona person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with atXXXX XXXX INQUIRY, INQUIRY, INQUIRY, XXXX XXXX XXXX INQUIRY, XXXX XXXX XXXX XXXX XXXX  INQUIRY and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. 

XXXX XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, INQUIRY - XX/XX/XXXX, XXXX XXXX  - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, INQUIRY - XX/XX/XXXX As I have said, this account is incorrect and should be deleted entirely. Please send me anupdated credit report along with the investigation procedures. 





XXXX XXXX XXXX Child support Balance : {$44000.00} Item Codes XXXX Experian XXXX Account # XXXX XXXX XXXX XXXX Account Type XXXX Open Account (! ) Installment (! ) Open Account (! ) Account Type - Detail Child support (! ) Family support (! ) Child support (! ) Bureau Code - - - Account Status XXXX Open Open Open Monthly Payment XXXX {$580.00} (! ) {$480.00} (! ) {$0.00} (! ) Date Opened XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX {$44000.00} {$44000.00} {$44000.00} No. of Months ( terms ) XXXX XXXX (! ) XXXX (! ) XXXX (! ) High Credit XXXX {$0.00} {$0.00} {$0.00} Credit Limit XXXX {$0.00} {$0.00} {$0.00} Past Due XXXX {$43000.00} {$43000.00} {$43000.00} Payment Status XXXX Late 120 Days (! ) Late 90 Days (! ) Late 90 Days (! ) Last Reported XX/XX/XXXX (! ) XX/XX/XXXX (! ) XX/XX/XXXX (! ) Date Last Active XXXX XX/XX/XXXX (! ) XX/XX/XXXX (! ) XX/XX/XXXX (! ) Date of Last Payment XXXX XX/XX/XXXX (! ) XX/XX/XXXX (! ) XX/XX/XXXX (! ) 7 Year XXXX XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX : XXXX XXXX : XXXX XXXX (! ) XXXX : XXXX XXXX : XXXX XXXX (! ) Comments XXXX Consumer disputes - reinvestigation in progress Child/family support - - I must express my disappointment and concern regarding the information provided above. It is regrettable that the data lacks certification to meet any specific reporting standards, rendering it unreliable. Therefore, I kindly request that any inaccurate, incomplete, or unsupported material be removed immediately to avoid further disappointment. 

Moreover, I would like to draw your attention to the image above for XXXX XXXX XXXX XXXX XXXX, which highlights areas of concern. It is essential that these issues are addressed promptly and effectively to restore my confidence in the accuracy and reliability of the data. 

Upon careful examination of Account XXXX ( XXXX ) : Open Account, I feel compelled to express my profound disappointment and concern regarding the flagrant deviations from mandatory regulations and compliance guidelines that have come to my attention. It is of utmost importance that you diligently ensure the accuracy of information within your records, in strict adherence to all industry standards. The discovery of such deviations has left me shocked and astounded. It is evident that an error of significant magnitude has occurred, warranting an immediate request for the expeditious deletion of this account. I implore you to take swift action to rectify these critical issues, as further delays could result in escalating damage and adverse consequences. 

We regret to inform you that the reported Account Type Details : Child support seems to be in contravention of the necessary standards for precise reporting. We understand that oversights can occur, but it is imperative that all fields are accurately completed and in full compliance with the Metro 2 guidelines before adding any information to my credit profile. We kindly request that you take prompt action to either remove this inaccurate record from my report or provide verifiable evidence of your compliance with the applicable standards. We appreciate your attention to this matter and look forward to your timely response. 

I have reviewed the information related to Monthly Payment ( XXXX ) : {$580.00}, and it is crucial that you ensure its alignment with industry standards for accuracy in your records. I am genuinely surprised to observe deviations from mandatory regulations and compliance guidelines associated with this account. It is evident that there may be an error, and I kindly request the immediate deletion of this account to rectify the situation before further harm is incurred. 

Upon careful examination of the information pertaining to XXXX. of Months ( terms ) ( XXXX ) : XXXX, I must express my profound disappointment and concern with the accuracy and compliance reports concerning this account. It is with a sense of duty that I feel compelled to challenge the veracity of the provided data, as it appears there may be discrepancies that could have significant implications for future loan applications or any decisions made based on these erroneous assumptions. I earnestly request you to furnish concrete evidence confirming adherence to all requisite procedures, ensuring the utmost accuracy in our records pertaining to my personal information. Your prompt attention to this matter would be greatly appreciated.

I would like to bring to your attention that upon careful examination of the information pertaining to Payment Status ( XXXX ) : Late 120 Days, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there may exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details. 

Allow us to direct our attention to the reporting of Last Reported : XX/XX/XXXX within the report. We are genuinely disappointed to find that there is a concerning issue with the reported data, as it fails to meet the requisite standards. The accuracy of the data appears to be compromised due to unwarranted deviations from the prescribed criteria. As you are well aware, it is of utmost importance to meticulously report all Data fields in strict accordance with the esteemed Metro 2 standards, leaving no room for any form of deviation from these indispensable requirements. Your immediate action to address and rectify these discrepancies is highly anticipated. 

Upon careful examination of Date Last Active ( XXXX ) : XX/XX/XXXX, I feel compelled to emphasize the utmost importance of ensuring that the information contained within your records strictly aligns with industry standards for accuracy. I must express my profound disappointment and shock upon discovering significant deviations from the mandatory regulations and compliance guidelines associated with this account. Such deviations are unequivocally unacceptable and indicate the presence of a glaring error. Therefore, I kindly request the immediate deletion of this account to rectify this situation promptly. I implore you to take immediate action to address and rectify these concerning issues before any further harm is incurred. 

Upon careful examination of Date of Last Payment ( XXXX ) : XX/XX/XXXX, I feel compelled to express my deep disappointment and concern regarding the observed deviations from essential industry standards for accuracy in the information contained within your records. It is of utmost importance that you diligently ensure strict compliance with mandatory regulations and comprehensive compliance guidelines governing this account. The presence of such deviations has left me profoundly shocked, as it indicates a grave error that demands immediate attention. Therefore, I kindly request that you take prompt action to rectify this matter by expeditiously deleting this account. I implore you to address and resolve these critical issues without delay, thereby mitigating the potential for further harm and safeguarding the integrity of the system. 

We regret to inform you that the reported 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX displays a significant inconsistency across the XXXX credit reporting agencies, which is entirely unacceptable. Strict compliance with the XXXX XXXX standards is of utmost importance to ensure the accurate reporting of data. Any deviation from the mandatorily required fields is intolerable, as it poses a severe threat to the integrity of all reported information. Upon review of this account, the apparent inaccuracies raise serious concerns and call into question the reliability of the entire account, which is both disappointing and infuriating. We strongly urge immediate action to rectify this matter and prevent any future occurrences of such discrepancies. 

I kindly request that you provide the legally required, physically verifiable evidence of a valid, authorized purpose from the properly identified source, or alternatively, eliminate the unsubstantiated and damaging allegations made against me without proper federal compliance. 

Kindly dispatch your written reply to my location at XXXX XXXX XXXX, XXXX XXXX, California, XXXX. 

This letter is to notify you that I have been made aware of your illegal practice of sending form letters in response to disputes and challenges from consumers, regardless of the information they have provided. This act is in violation of 15 U.S. Code 5 1681i, which mandates that every dispute and challenge should be dealt with independently and based on its own merits. The letters I sent were generated using software that is available to the public. If you fail to process my letters, it is a breach of my consumer rights. I consider this an intentional disregard of my rights, and I will seek legal action by contacting my lawyer.

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