Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. 
This is required by law ( FCRA ) as well as reporting standards XXXX XXXX, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 
XXXX XXXX XXXX XXXX 2 Year Payment History XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Description : Individual Account Account Status : Open Account Type : Revolving Balance Owed : {$10.00} Credit Limit : {$500.00} Creditor Remarks : CHARGE Creditor Type : Revolving Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$30.00} Last Payment : - Past Due Amount : - Payment Amount : {$10.00} Payment Status : Pays account as agreed Term Length : Monthly ( due every month ) I'm disappointed that you have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws. This is a major deficiency! I demand that this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards to these matters. It's very important that we are aware of what kind of documentation we should be looking for so that we don't get caught flat-footed when things go south later down the road and an issue which may have been preventable occurs due to a lack of accurate information. 
XXXX  XXXX XXXX 2 Year Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Description : Individual Account Account Status : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Page XXXX of XXXX Account Type : Revolving Balance Owed : {$0.00} Credit Limit : {$600.00} Creditor Remarks : CHARGED OFF ACCOUNT CHARGE Creditor Type : Revolving Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : - Last Payment : - Past Due Amount : - Payment Amount : - Payment Status : Charge-off Term Length : Monthly ( due every month ) The data above has not been certified to meet any specific reporting standards, and is therefore unreliable. 
I insist that any inaccurate, incomplete, or unsupported material be removed immediately. 
XXXX XXXX XXXX ( Original Creditor : XXXX  XXXXXXXX XXXX. ) XXXX XXXX 2 Year Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Description : Individual Account Account Status : XXXX Account Type : Open Account Balance Owed : {$570.00} Credit Limit : - Creditor Remarks : CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS COLLECTION ACCOUNT Creditor Type : Open Account Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX High Balance : {$570.00} Last Payment : - Past Due Amount : - Payment Amount : - Payment Status : - Term Length : - The information provided above has not been verified and may not meet reporting standards. I insist that any incorrect or unsupported data be removed. 
Regards The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. 
The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well XXXX XXXX -- it needs certified compliant. 
XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S.

Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Page XXXX of XXXX assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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 non-monetary relief