Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have dispatched certified letters to Experian, and the company issued a stall letter to my Experian account dated XX/XX/XXXX. I have submitted several pages for correction in a certified letter concerning inaccurate information on my credit report. Additionally, I inquired about the furnishing company that reported the bankruptcy and the methods they employed to verify this information on my credit file, as well as the investigation process used to validate it on my credit report. ALSO please correct the information that provided to both credit bureaus Experian and XXXX on all inaccurate information that reporting against my credit profile. Delete old address and phone numbers, I don't associate with them. 
respond to my letters tracking number to Experian XXXX XXXX # : XXXX and XXXX XXXX XXXX # : XXXX dates : Cost : {$16.00} Pages : XXXX XXXX : yes Double-sided : yes Est. send date : XX/XX/XXXX Est. delivery : XX/XX/XXXX Service level : XXXX XXXX XXXX ( XXXX days ) Extra service : Certified mail. 

Cost : {$13.00} to Experian XXXX : XXXX XXXX : no Double-sided : yes XXXX. send date : XX/XX/XXXX Est. delivery : XX/XX/XXXX Service level : XXXX XXXX XXXX ( XXXX days ) Extra service : Certified mail The negative items on my credit profile appear to be erroneous. I am disputing these claims and insist that any information suggesting I am less than perfect be removed immediately. The allegations that this information is negative, false, or incorrect are without merit. I have yet to receive any tangible evidence supporting these claims. Your report deviates from essential reporting standards, rendering the data inaccurate and incomplete. I challenge you to prove the legitimacy of these allegations against me. Document your compliance with reporting requirements and ensure there are no deviations. According to 15 U.S.C 1681e, a consumer reporting agency must adhere to reasonable procedures to guarantee the accuracy of the information regarding the individual in question. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to : A - Provide information about a consumer 's accounts or relationships with integrity. B - Ensure the information about a consumer 's accounts or relationships is accurate. C - Conduct reasonable investigations of consumer disputes. It is vital to acknowledge that any reporting errors can compromise the accuracy of the information, which has significant consequences for both federally regulated reports and Metro 2 compliance standards. The CRRG states that any deviation from these standards endangers data integrity. Therefore, I have identified several mistakes and inaccuracies in your report, necessitating an investigation into these erroneous items so they can be corrected or removed. It is your responsibility to protect my rights, and continued reporting of imperfect claims indicates negligence. It is unjust to continue this practice.

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