Consumer complaint received 2023-11-17 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: NY

Complaint narrative:
I am aware that you have been responding to a lot of disputes, complaints, and challenges with pre-written standard form letters, despite the precise information customers have provided. I am well aware that this is against the law since each and every consumer complaint must be evaluated individually and addressed appropriately.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. Any letters that include my name were either written by my advisors with my full knowledge and approval, or I am the only author of them. I am aware that you are not required to request a Power of Attorney in order to delay responding to customer correspondence. I will consider your indifference to my correspondence in a timely manner to be a deliberate disdain for my customer rights. In a circumstance like this, I'll have to call my attorney and file a lawsuit.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! It is important that your credit report be accurate. The following complaints are unsubstantiated and do not comply with federal or state reporting standards. Since these claims do not adhere to fundamental reporting standards, which would increase my confidence in the veracity of the material provided, I contest them. It is your duty to ensure that all data is kept up to date, accurate, and compliant. Any claims that you are aware do not adhere to regulatory standards are not subject to be reported. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

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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