Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it might concern I am writing to DISPUTE the following summaries of derogatoriness that your company supplied to XXXX or more CRAs.In this complaint, I have noted XXXX or more issues I have concerns and questions about, justifiably, in relationship to XXXX or more of its accuracy, completeness, timeliness, fairness, unexceptional adhering of Federal and state reporting laws and or appropriateness in your principled adhering to the mandatorily abided by credit reporting industrys principals namely the XXXX own XXXX detailed XXXX Formatted reporting without deviation ( XXXX ), errors, nor omissions ofpertinent documented compilations that potentially can else better ensure integrity of conflicts with or made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which may have NOT been satisfied or suitably maintained. I further require, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably reverential reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are adequate to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. 

INDUSTRY REPORTING STANDARDS ( per XXXX ) : Page XXXX of XXXX Per the XXXX own XXXX XXXX, An Industry standard for reporting consumer accounts WILL ENSURE THE INTEGRITY AND CONSISTENCY of reported data. This MANDATORILY UTILIZED STANDARD includes but is NOT LIMITED to requirements that ALL ACCOUNTS be reported AT LEAST once MONTHLY, the FINAL ACCOUNT STATUS CODE MUST BE REPORTED if and when an account is PAID OR CLOSED with a XXXX balance. CYCLIC REPORTING must occur at cycles close, etc .... 
ACCURACY AND INTEGRITY DEFINITIONS ( per XXXX and XXXX FACT ACT ) : Per the XXXX own XXXX XXXX, the XXXX FACT XXXX XXXX Furnisher Rules define the term Accuracy to mean that portfolios that a furnisher provides to a consumer reporting agency about an account OR other relationship with the consumer correctly ( XXXX ) Reflects the terms of AND liability for the account or other relationship, ( XXXX ) Reflects the consumers performance and other conduct with respect to the account o r other relationship, ( XXXX ) Identifies the appropriate consumer ..... 
The following data is suspect to be in deviation of requirements for fair and accurate reported and I necessitate that ANY and all negativity ( XXXX ) related to be terminated immediately, permanently and completely or else proven passable even sure in writing :? = XXXX M= U= # XXXX Take Away From Reporting or MODIFY as necessary ANY Indigent And Injurious aspect of your accusations XXXXXXXX XXXX XXXX XXXX XXXX Open NEGATIVE Other/Unknown Accounts DELINQUENCY LATE ( XXXX ) -related accounts XXXX XXXX Data Point is QUESTIONABLE in its reporting Data Point is INCONSISTENTLY reported across displayed bureaus, an infraction of the XXXX point of XXXX XXXX XXXX points of compliance! 
Data Point is MISSING and or is DEFICIENTLY reported as compared to what is most likely information that SHOULD OF BEEN adequately reported! 
XXXX XXXX is else wise XXXX, as reported! Undocumented claims can NOT be assumed valid nor compliantly reported! 
XXXX Experian 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Dispute Account not disputed.. Status :.. 
Account not disputed.. 
Account not disputed.. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Dispute resolved; reported XXXX XXXX XXXX XXXX XXXX XXXX Two-Year Payment History Account was in dispute - now resolved - reported by subscriber. 
XXXX XXXX XXXX XXXX column is credit limit Account previously in dispute - now resolved by data furnisher XXXX XXXX Experian XX/XX/2022reported with reported in deficiency of reporting mandates and or practices therefore the falsity must be eradicated as is my in accordance with the law ( XXXX ) and or requisite standard ( XXXX ) requested resolution, please do so HERE AND NOW! This claim has reported ailments in at least XXXX or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : XXXX XXXX XXXX Current.. 
and alleged to be is XXXX Alleged Page XXXX of XXXX With respect to item questioned above, reported as for Experian, Not Reporting for XXXX XXXX XXXX and as for XXXX and XXXX such is XXXX, each or all in aberrancy from the requisite standard ( XXXX ) and or is not proven much less certifiably compliant to its principal mandates as its relevant and consequential for compliant reporting acquiescence. This field, as reported, is a divergence from the established CDIAs reporting standards and or is reported XXXX or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting! Clearly, this field asserts that potentially this item of reporting is or is not yet unproven to be an aberrancy at issue with reporting accuracy and or compliance standards. 
Regarding the item questioned above, reported as Not Reporting for Experian, for XXXX XXXX, and as for XXXX for XXXX and as such are XXXX or more, according to protocol, deficient of its exigency of reporting obedience! 
In regard to item questionably reported above, please note that is reported as XX/XX/XXXX for Experian, XX/XX/XXXX for XXXX XXXX, and as for XXXX are XXXX, XXXX, or each apparently in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( XXXX ) for the compliant reporting of XXXX fields within any XXXX XXXX XXXX nor else wise in regard to this mandatorily accurately depicted data field. 
In regard to item questioned above, Account Type : reported as for Experian, Flexible spending credit card for XXXX XXXX, and as for XXXX are XXXX, XXXX, or each apparently in potential deviation ( XXXX ) from the requisite standard ( XXXX ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). OBVIOUSLY, INTEGRITY is the intention of fair and ethical reporting satiety! 
***************************************************************************************************** In accordance with the FCRA XXXX ( XXXX XXXX. XXXX ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable archives that I have discovered on my personal credit report ( XXXX ). As reported, I do NOT recognize the data being CHALLENGED IN THIS WRITTENCOMPLAINT, as being copaceticas related to being accurate, complete, timely, and or fair as reported when reported and I petition that you REMOVE any and all contested info while you investigate the claim ( XXXX ) and ONLY re-inserting said contested information if satisfies the minimal requisites to lawfully report. 
RESPONSIBILITIES ( per XXXX ) : Per the XXXX own XXXX XXXX, Credit reporting memorandums is sensitive data. The issues of ACCURACY AND COMPLETENESS of conclusions AND FAIRNESS to consumers are not just a concern of the consumer reporting agencies ; XXXX XXXX PARTICIPATION is ALSO REQUIRED. FEDERAL and STATE LAWS already REGULATE certain aspects of credit reporting .... Data Furnishers MUST PARTICIPATE IN THE ACCURACY PROCESS. Both Credit Grantors AND consumers depend on consumer reporting agencies to ACQUIRE AND MAINTAIN ACCURATE credit histories. ACQUIRING AND MAINTAINENCE of ACCURATE credit conclusions can ONLY be accomplished IF THE DATA FURNISHER of consumer data UNDERSTANDS Credit Reporting Laws AND XXXX STANDARDS ( the tools ) that ARE Data XXXX XXXX Address XXXX XXXX XXXX Past Due Amount : Not Reporting Not Reporting Date of Last Payment : Credit Card Not Reporting Not Reporting XX/XX/XXXX Page XXXX of XXXX available AND ADHERES to the STANDARDS for Credit Reporting ( again, XXXX is THE XXXX and ONLY STANDARD per XXXX, as of the XXXX from XX/XX/XXXX onwards ), .... FURTHER, the e-Oscar System Support Team ( EOSST ) made up of XXXX XXXX ( XXXX XXXX, XXXX, Experian, and XXXX representatives ) MAINTAINS an INDUSTRY-WIDE automated consumer DISPUTE resolution system, which is REQUIRED by t h XXXX FCRA XXXX XXXX, The XXXX Format enables the reporting of ACCURATE, COMPLETE, and TIMELY credit files ( XXXX ), and IS ACCEPTED by ALL CONSUMER REPORTING AGENCIES, MEETS ALL REQUIREMENTS of the XXXX, FCRA, XXXX, and ANY AND A L L APPLICABLE STATE LAWS, allows data to be added and mapped with greatest consistency, allows COMPLETE identification data to be reported FOR EACH CONSUMER XXXX A C H MONTH thereby improving ability of CRAs to match the CORRECT consumer, accommodates CYCLE reporting of data for maximum timeliness of data updates, etc.. 
INTEGRITY DEFINITIONS ( per XXXX ) : Per the XXXX own XXXX XXXX, INTEGRITY means that dossiers provided by a data furnisher to a CRA about an account XXXX OTHER RELATIONSHIP is ( XXXX ) SUBSTANTIATED as reported WHEN REPORTED, ( XXXX ) is provided such that there is MINIMAL likelihood that the data is incorrect, ( XXXX ) includes the seemly CREDIT LIMIT and REQUISITES OF MAINTAINING ACCURACY AND INTEGRITY AND CONSISTENCY of data REQUIRES FIRST that the substantiated abstracts BE ACCURATE and NO subsequent change in the historic payment record UNLESS that payment history is INACCURATE ( so SHOULD HAVE NOT met criteria to report to begin with ). DATA MUST BE reported in a FACTUAL, PRECISE, and OBJECTIVE MANNER with ANY INACCURATE data DELETED.., ANY CONSUMER COMPLAINT or CHALLENGE for evidence of accurate, complete, timely MUST BE PROMPTLY PROCESSED. The FEDERAL REPORTING LAWS includingbut NOT limited to the FCRA places significant RESPONSIBILITITY on BOTH the DATA FURNISHER ( XXXX ) AND CRA ( XXXX ) for ensurances that they have and abide by lawfully common Practices, Procedures, and Processes including adherence to the mandates of the XXXX XXXX detailed XXXX Data-filled Field Formatted necessary formalities for Compliant ACCURATE, COMPLETE, and TIMELY REPORTING of consumer that MUST be to a degree no lesser than that of a MAXIMUM POSSIBLE ACCURACY and COMPLETION. Per XXXX XXXX, deficiencies in ADEQUATE XXXX reporting makes QUESTIONABLE any alleged, ANY DEVIATION IN THESE STANDARDS ... of which is XXXX ... JEOPARDIZES THE INTEGRITY OF THE XXXX Per XXXX, deficiencies in reporting OR deviations from satisfactory reporting of the Compliance Condition Code, Date of First Delinquency, Account Type, Consumer Indicator, XXXX XXXX, ad rem XXXX XXXX, legit ORIGINAL CREDITOR NAME, AND applicatory Creditor Classification Codes exposes reported to potential corruptibility, decreased rectitude and suspect VERSISIMILITUDE! 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX P.s. My NEXT letter will be a notification of my LOITS! So that you do not need for a legal dictionary, a LOITS notice is a Letter Of Intent To Suit! You BEST be PROVEN COMPLIANT to ALL requirements and standards of FCRA XXXX and also of the implemented XXXX enacted 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