Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I expect you to carefully INVESTIGATE my formal writ composed STATEMENT of UNPROVEN Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH and ACCURACY. Ownership, full liability and responsibility for your actions, or compliance with all regulatory requirements that mandate immediate action to repair any violation of the law. Complete, accurate and compliant reporting of METRO 2 data fields is a legal requirement! To be clear : there must not be any notation or aspect of the report that is incomplete or inaccurate. Federal laws mandate that all potentially damaging or derogatory reporting MUST be substantiated by IRREFUTABLE testimony. Ensuring the physically verifiability of the CONFIRMED manual validation of any item. Upon the filing of this complaint, please return to or retain federally lawful reporting and immediately annul all allegations made against me as they lack physical evidence. 

My wish is to formally create a disputation of predictably FALSE, INACCURATE, ERRONEOUS, NON COMPLIANT derogatory information I have discovered upon reviewing my consumer credit report. While reviewing my consumer credit report data from your bureau I have come across numerous mistakes and discrepancies. 

Please REVIEW and EXPUNGE any and all of the following ERRONEOUS, INACCURATE, UNPROVEN, UNVERIFIED, UNVALIDATED, NON FCRA COMPLIANT, NON METRO 2 COMPLAINT ITEMS. You are legally REQUIRED and MANDATED to report ONLY TRUTHFUL, ACCURATE, FCRA COMPLAINT, METRO 2 COMPLIANT, VERIFIED AND VALIDATED information. 
The below listed items REQUIRE immediate DELETION and EXPUNGEMENT. 

Listed are the accounts in dispute : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) The above referenced accounts, you are alleging the negative claims nonetheless but deficit of proof of fact, correctness, completeness, timeliness, and or COMPLIANCE to all legal guidelines and the Metro 2 data area formatted reporting requirements, consequently, lawfully you need to expunge any and all unfavorable reporting. 

Please recognize this letter as my official notice of your deficit of METRO 2 compliant reporting and my official DEMAND notice for you to become substantially compliant to METRO 2 and FCRA reporting requirements. BEFORE you attempt to send me validation or verification understand that you are REQUIRED to submit to me acceptable PROOF off all alleged derogatory marks and said PROOF must be in the METRO 2 data field formatted regulatory standards REQUIRED by any entity regarding any consumer credit report or use of it. This is FORMAL notice that you are NOT compliant with said regulated reporting standards and you are REQUIRED to EXPUNGE and ERADICATE by deletion of ANY and ALL derogatory and/or adverse markings OR present PHYSICAL evidence that can and will be VERIFIED regarding and in support of the above referenced items. 

Per the Fair Credit Reporting Act upon a complaint raised by the consumer rather it be a direct dispute or verification of METRO 2 compliant reporting you are RESTRICTED from taking any action that may harm my credit report. Failing to respond or DELETE the requested information within 30 days of receiving this notice via XXXX Mail or submitting a NON FCRA compliant response WILL result in my legal team reviewing all legal avenues available including but not limited to filing a claim in small claims court requesting {$1000.00} per violation per reporting period via my local civil court, as within my legal right to do so. 

In all CLARITY, I am requesting FULL, concrete and indisputable physical PROOF of my being late or PROOF of derogatory marks on above referenced accounts. Finally, I wish to be VERY CLEAR, I am NOT disputing the ownership, billing report or responsibility of these accounts, nonetheless, you are REQUIRED to provide mandated, regulated and verifiable documents that support the VALIDITY, ACCURACY AND COMPLIANCE of the above referenced items and HOW they are reported. If you are unable to supply this information, the only remedy I am willing to accept is DELETION or PAID AS AGREED, NEVER LATE. 

All the best, 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