Consumer complaint received 2024-07-02 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: GA

Complaint narrative:
To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX I kindly address the alleged delinquency and/or derogatory claim ( s ) mentioned above. The reported information lacks the essential documented proof required to demonstrate the claim 's current compliance and certifiable reporting of negative aspects. These negatives must be physically verified, confirmed, and proven to be factually accurate, correct, timely, complete, and unquestionably valid. Due to this deficiency, I respectfully demand the immediate and complete deletion of all alleged negative aspects, to uphold the ethical and lawful reporting requisites, as well as the mandated or established standards of adequate consumer credit reporting practices. 

XXXX XXXX - XXXX Regrettably, the data appears to be outdated and fails to meet the essential criteria for accuracy and precision. I kindly request your prompt attention to rectify this matter, as adherence to stringent data accuracy standards is of utmost importance. Failing to address this concern promptly may necessitate the initiation of legal measures. I firmly believe that erroneous and incomplete information has no rightful place in your distinguished database, nor should it reflect on my credit report. Therefore, I earnestly implore you to expeditiously delete the inaccurate data from your records. 

XXXX XXXX - XXXX The mentioned item, as brought to attention, exhibits certain deviations from the prescribed ethical and compliant reporting standards applicable to such claims. By CDIA guidelines, any variance from the established standard raises concerns about the veracity of the reported data. Pieces of evidence suggest possible inconsistencies in adhering to the mandated certifiable Metro 2 format Standard ( s ) for reporting. 

XXXX - XXXX I wish to address the alleged delinquency and/or derogatory claim ( XXXX ) mentioned above. The reported information lacks the necessary documentary proof to substantiate the claim 's current compliance and certified reporting of negative aspects. These negatives must be physically verified, confirmed, and proven to be factually accurate, correct, timely, complete, and unquestionably valid. Due to this deficiency, I respectfully request the immediate and complete deletion of all alleged negative aspects, to ensure compliance with ethical and legal reporting requirements, as well as the established standards of adequate consumer credit reporting practices. 

XXXXXXXX XXXX XXXX XXXXXXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

XXXX - XXXX You Violated The United States XXXX XXXX XXXX XXXX Code XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) By the written instructions of the consumer to whom it relates. Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

XXXX XXXX - XXXX My report lacks sufficient evidence to substantiate its validity, accuracy, and completeness, let alone certify its compliance with established credit reporting standards. It is crucial to acknowledge the XXXX 's implications or explicit statements that any deviation from the law or recognized industry standards renders a claim deficient. Consequently, it is imperative to remove any such claims from the report and withhold their return unless they can be proven to meet all legal requirements for accurate reporting. This action is warranted irrespective of any potential misapplication, willful ignorance, or reckless negligence on your part regarding your reporting practices and claims. Please take note of any deviations, including but not limited to the following issues, as valid grounds for the removal of the reported claims. 

XXXX BANK XXXX XXXX You Violated The United States XXXX XXXX XXXX XXXX Code XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) By the written instructions of the consumer to whom it relates. Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

XXXX XXXX - XXXX XXXX express my profound disappointment regarding the lack of documented evidence concerning compliance reporting standards and consumer laws. This deficiency is of significant concern. I insist that the flawed and inaccurate report be promptly deleted, failing which legal action will be pursued against your company for non-compliance with legal requirements about compliance and consumer protection. It is crucial to possess precise information to preempt potential future complications. Regrettably, it appears that you have not treated this matter with the necessary gravity, thus necessitating the potential initiation of legal proceedings. 

XXXX XXXX - XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

XXXXXXXX XXXX XXXX XXXXXXXX I respectfully bring to your attention the alleged delinquency and/or derogatory claim ( s ) mentioned above. As reported, the provided information lacks the essential and mandatory document proof required to substantiate the claim 's current certifiable and compliant reporting of negative aspects. These negativity ( ies ) must be fully deleted today, without delay, to restore and uphold the ethical and lawful reporting requisites, as well as the mandated or established standards of adequate consumer credit reporting practices XXXX XXXX - XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

XXXX XXXX XXXX  XXXX I respectfully bring to your attention the alleged delinquency and/or derogatory claim ( s ) mentioned above. As reported, the provided information lacks the essential and mandatory document proof required to substantiate the claim 's current certifiable and compliant reporting of negative aspects. These negativity ( XXXX ) must be fully deleted today, without delay, to restore and uphold the ethical and lawful reporting requisites, as well as the mandated or established standards of adequate consumer credit reporting practices XXXX XXXX XXXX XXXX XXXX Regrettably, the data appears to be outdated and fails to meet the essential criteria for accuracy and precision. I kindly request your prompt attention to rectify this matter, as adherence to stringent data accuracy standards is of utmost importance. Failing to address this concern promptly may necessitate the initiation of legal measures. I firmly believe that erroneous and incomplete information has no rightful place in your distinguished database, nor should it reflect on my credit report. Therefore, I earnestly implore you to expeditiously delete the inaccurate data from your records. 

Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX It has come to my attention that you have provided a section of a credit report that specifically pertains to the mentioned account number. The report suggests that the account number is either not being reported or is not in compliance with the established standards for credit reporting agencies. This situation can potentially raise concerns about the accuracy and integrity of the data being reported. I must emphasize that there can be no deviation from the established standards for reporting data fields, including the account number, as indicated in the report. 

XXXX XXXX XXXX XXXXXXXX I hope this message finds you well. I would like to bring to your attention that the data presented above does not appear to have undergone certification to meet the required reporting standards. Additionally, it is crucial to acknowledge that this information might be incomplete, outdated, or lacking proper support. Therefore, I kindly request that any inaccurate or unsupported material be expeditiously removed from this page. 

XXXX XXXX XXXX XXXX XXXX  I must emphasize that the aforementioned data has not undergone any certification process to ensure compliance with recognized reporting standards. Consequently, it can not be guaranteed as accurate, current, or comprehensive. It is essential to acknowledge that this information may suffer from incompleteness, obsolescence, or lack of support. Therefore, I kindly request your assistance in promptly removing any erroneous or unsupported content from the aforementioned page. 

XXXX XXXX - XXXX I trust this message finds you well. Upon reviewing the data provided above, I respectfully wish to bring to your attention that it has not been certified to meet the required reporting standards. Additionally, it appears that some of this information might be incomplete, outdated, or lacking sufficient support. In light of this, I kindly request the removal of any inaccurate or unsupported material from the mentioned page. 

Listed below are the Inquiries 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

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