Consumer complaint received 2024-09-11 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: PA

Complaint narrative:
I reviewed my credit report on XX/XX/XXXX and noticed several inaccuracies. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information in consumer reports. The accounts listed below contain incomplete and inaccurate information. These accounts must be deleted immediately due to violations of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ).

1. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX- This is not my correct name. Remove it immediately from my credit report. 
2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This is not my correct address. 
Remove it immediately from my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This is not my correct address. Remove it immediately from my credit report. 
XXXX. XXXX XXXX Account Number : XXXX This Consumer Note is my official call for you to discontinue reporting of the item above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claim ( XXXX ). This COFF item is deficient as reported, as above-displayed in evidence of uncertified XXXX this account is questionable even poor reporting .Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX XXXX Format compliance since, per XXXXXXXX XXXX XXXXXXXX XXXX Any deviation from these standards jeopardizes the integrity of the data '' so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! Date Last Active : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX reports XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX This Consumer Note is my official call for you to discontinue reporting of the item above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claim ( XXXX ). This XXXX  item is deficient as reported, as above-displayed in evidence of uncertified XXXX this account is questionable even poor reporting .Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX XXXX Format compliance XXXX, per XXXX, DNP XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data '' so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! Date Last Active : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX reports XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX This Consumer Note is my official call for you to discontinue reporting of the item above-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claim ( s ). This XXXX  item is deficient as reported, as above-displayed in evidence of uncertified XXXX this account is questionable even poor reporting .Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX XXXX Format compliance since, per XXXXXXXX XXXX XXXXXXXX XXXX Any deviation from these standards jeopardizes the integrity of the data '' so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! Last Reported : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX reports XX/XX/XXXX Date Last Active : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX reports XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX- This name doesnt belong to me. Remove this inaccurate information immediately from my credit report! 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address doesnt belong to me. Remove this inaccurate information immediately from my credit report! 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address doesnt belong to me. Remove this inaccurate information immediately from my credit report! 
XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX, this item does NOT have an exactly matching Data Furnisher/Creditor Contract address location. Note this is a discontinuance of reporting request. Please attest by document demonstration the confirmation of the above claims certitude of all facts alleged to have been physically verified and validated even to every notation, all dates and balances, any compliance condition code ( s ), and or any aspect ( s ) for any necessary XXXX XXXX compliance segment and field ( s ). This claim as reported, as displayed hints to at least the following compliance-based issues. XXXX Comments : Q deviates from the Standard ( s ) of lawful reporting XXXX Last Reported : XXXX deviates from the Standard ( s ) of lawful reporting XXXX Account Status : XXXX  deviates from the Standard ( s ) of lawful reporting. Date Last Active : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX, this item does NOT have an exactly matching Data Furnisher/Creditor Contract address location. Note this is a discontinuance of reporting request. Please attest by document demonstration the confirmation of the above claims certitude of all facts alleged to have been physically verified and validated even to every notation, all dates and balances, any compliance condition code ( s ), and or any aspect ( s ) for any necessary XXXX XXXX compliance segment and field ( s ). This claim as reported, as displayed hints to at least the following compliance-based issues. XXXX Comments : Q deviates from the Standard ( s ) of lawful reporting XXXX Last Reported : XXXX deviates from the Standard ( s ) of lawful reporting XXXX Account Status : XXXX  deviates from the Standard ( s ) of lawful reporting. Date Last Active : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX this item does NOT have an exactly matching Data Furnisher/Creditor Contract address location. Note this is a discontinuance of reporting request. Please attest by document demonstration the confirmation of the above claims certitude of all facts alleged to have been physically verified and validated even to every notation, all dates and balances, any compliance condition code ( s ), and or any aspect ( s ) for any necessary XXXX XXXX compliance segment and field ( s ). This claim as reported, as displayed hints to at least the following compliance-based issues. XXXX Comments : Q deviates from the Standard ( s ) of lawful reporting XXXX Last Reported : XXXX deviates from the Standard ( s ) of lawful reporting XXXX Account Status : XXXX  deviates from the Standard ( s ) of lawful reporting. Date Last Active : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX Last Reported : XXXX reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Check the attachments sent below

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