Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
RE : Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 
To Whom it May Concern, I have a right to contest any information on my credit report that I believe is inaccurate. Therefore, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. 
This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according to XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. 
_______________________________________________________________________________ I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, Im requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. 
XXXX PLEASE REMOVE ALL OF THE INFORMATION BELOW : XXXX XXXX inaccurate status and pay history XXXX XXXX inaccurate status and pay history XXXX XXXX inaccurate status and pay history XXXX XXXX inaccurate status and pay history XXXX XXXX inaccurate payment history history XXXX inaccurate payment history and open date XXXX XXXX XXXX XXXX illegal reaged multiple charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont owe them anything. Ive never done business with them Respectfully, 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. 
Please send your written response to my address to my address above. 
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 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. 
You refuse to investigate!!!!!!

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