Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
b'I have received a copy of my credit report, and there are late payments that are being recorded which are inaccurate. I have reached out to the bureau multiple times, and they have not updated my accounts to reflect accurate information. Alleged Derogatory late payment deficient of REQUIRED PROOF OF \nADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and \ntheFCRA standards of reporting are certainly unlawful, unethical and \nundoubtedly in clear infringement of my consumer and/or civil rights, making \nyou liable upon my taking this matter to a civil court in my area for proper and \nethical resolutions and awards of at least $1000+ per still unproven, untrue, \ninaccurate, untimely, incomplete, or else wise not compliant item reported \nthat is hereby now being challenged in writ composition. Legally a consumer \ncomplaint notice in demand for a check for compliance and further irrefutable \nevidence to such claim;\nTHIS IS MY OFFICIAL WRITTEN COMPLAINT!\nPer Federal and my states reporting laws, you MUST \nAFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. \nLawfully certificate physically the creditor classification codes, the exact and \ncomplete sequenced and METRO 2 data formatted 426 character P-6 \nstatements as well as all of the applicable and requisite trailing fragments, the \nminimally mandated five (5) portioned personal identifiers, every and one of \nthe alpha -/ numeric-/and or the alphanumeric source codes that detail the \nleft sidedness and or right sidedness of any and all precisely ordered recorded \naccount descriptions, all aspects exactly and fully related to the sequenced 386 \npieces of confirmation to collect(-tions), each calendar date recorded, every \nalleged balance including the tallied total and invoices from which they were \nderived, the documented legal and current color photographed identities, the \nattested addresses, the non transported and true marks of execution from one \nand only and exactly identified me upon an acknowledge of debt alleged or \neven conditions related, as well as every single one even each and any or all \nrequisite state and federal laws applicable, whether known or not, regardless if \nmentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN \nREPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF \nFRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING \nOF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO \nANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE \nCOMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU\nI DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal \nwrit composed DECLARATION of Not Proven Compliant Misinformation that is \nall or in part: DEFICIENT of adequate current status in fullness of TRUTH, \nACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, \ncertifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and \nregulatory requisite compliant reporting thereby mandating your immediate \nactions to rectify and remedy and any all infraction-ious behavior(s) by \nretaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and \nCOMPLIANT METRO 2 data field formatted reporting!To be clear, you are \nmandated by laws to eliminate every notation and or aspect of any and all \nderogatory and adversary items from any and all alleged claims still yet \nunproven to be true, correct, complete, timely, documented as being mine, \ntestimonial to be of my responsibility, with FCRA compliance, and or CRSA \nCDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all \nderogatory or potentially injurious reporting MUST be all of the \naforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE \ntestimonial of FACTs ensuring the physically verifiability of the CONFIRMED \nmanual validation of any item upon a consumer complaint, such as is this \nnotice here and now.Please RETURN to or retain federally lawful\nreporting with your unwavering and unconditional annulment of every single \none even each any and or all of the allegations accused of me deficient of \nphysical evidence to every and all aspects of said claims, be them true or not. I \nas of late received a duplicate of my credit report from your consumer credit \nreporting agency -- WHICH BY THE WAY is self proclaimed as being not only \nACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification \nof your consumer credit reporting as DETAILED in the DESCRIPTION of eOSCAR (your web\nbased automated verification process). YOUR EXACT e\x02OSCAR definition (per XXXX  ) is that eOSCAR is a web\x02based,Metro 2 compliant, automated system that enables \nData Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and \nrespond to consumer credit history disputes. CRAs include XXXX, Experian, XXXX XXXX XXXX, their affiliates or Independent Credit Bureaus and \nMortgage Reporting Companies. e-OSCAR also provides for DFs to send "outof- cycle" credit\nhistory updates to CRAs. The system primarily supports \nAutomated Credit Dispute Verification (ACDV) and Automated Universal \nDataform (AUD) processing as well as a number of related processes that \nhandle registration, subscriber code management and reporting.\nACDVs initiated by a CRA on behalf of a consumer are routed to the \nappropriate Data Furnisher based on the CRA and subscriber code affiliations \nindicated by the DF. The ACDV is returned to the initiating CRA with updated \ninformation (if any) relating to the consumer\'s credit history. If an account is \nmodified or deleted, carbon copies are sent to each CRA with whom the DF \nhas a reporting relationship. AUDs are initiated by the DF to process out-ofcycle credit history\nupdates. The system is used to create the AUD and route it \nto the appropriate CRA(s) based on subscriber codes specified by the DF in \nthe AUD record. The e-OSCAR AUD process is intended to provide the CRA \nwith a correction to a consumer\'s file that must be handled outside of the \nregular activity reporting cycle process. e- OSCAR may not be used to add or \ncreate a record on a consumer\'s file or as substitute for "in-cycle" reporting to \nthe CRAs. Within the report I saw that there were late installments noted in \nthe record history.Since I am somehow very defective in the matter as to the \nHow ,WHEN, and WHY these late segments are notations within my credit \nreport which is otherwise remarkable in creditworthiness!Puzzled,I am \nenacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged \ndata providers of these following notated UNPROVEN derogatory suggestions \nof late payments to surrender to you and you to me an evaluated \nproclamation of my record throughout the previous XXXX  years demonstrating \nwhen the due date of the record was and when the installment was handled. \nFurthermore, please require the accusing data provider to present their most \nupgraded Terms of Service Agreement that that outlines payment \nreconciliation. As I am POSITIVE you are aware, as a injured consumer, \nUNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask \nfor any and all of the above and below DEMANDS under the terms of the Fair \nCredit Billing Act of XXXX  (FCBA) As the OFFICIAL notice of my official writ \ncomposed DECLARATION of Not Proven Compliant Misinformation that is \neither or all of the following, YOU MUST ANNUL by REMOVAL of any \nDEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or \nan aspect of that account.PLEASE as you MUST, delete the foul misreportings \nand display any and all of my accounts as being  PAID/PAYS as \nAGREED,NEVER LATE and as nothing else:\n1. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT I DEMAND YOU SHOW ME SUPPORTING\nDOCUMENTATION OF THESE ALLEDGE LATE PAYMENTS\n XXXX XXXX XXXX XXXX Account Number: XXXX Please correct/update this inaccurate information on my credit report.\n2. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT I DEMAND YOU SHOW ME SUPPORTING\nDOCUMENTATION OF THESE ALLEDGE LATE PAYMENTS\n XXXX Account Number: XXXX Please correct/update this inaccurate information on my credit report.\n3. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT I DEMAND YOU SHOW ME SUPPORTING\nDOCUMENTATION OF THESE ALLEDGE LATE PAYMENTS\n XXXX  Account Number: XXXX Please correct/update this inaccurate information on my credit report.\nNOTATION: Per CRSA enacted, CDIA implemented laws, any and all reporting \nmust be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, \nof known ownership and responsibility but also fully Metro 2 \ncompliant.Provider Claims Late Payment yet has NOT PROVEN even the \ncompliance of its reporting much less any aspect of determined truth of facts \nelse wise required by obligatory regulations. As such, I demand evidence of \nMetro 2 compliant reporting, true and accurate and complete reporting of \nwhat is likely an allegation unfounded as it is DEFICIENT of adequate current \nstatus in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, \ndocumented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable \ncompliant obligatory and regulatory requisite compliant reporting thereby \nmandating your immediate actions to rectify and remedy and any all \ninfraction-ious behavior(s) by retaining or returning to DEMONSTRATED TRUE, \nCORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted \nreporting! PLEASE ERADICATE any and all derogatory aspects of reporting and \nat a minimum rectify the derelict reporting with the adequate statement of \nPAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to \nbe CORRECT and determine factually and in entirety that every aspect of \ncurrent reporting is lawfully compliant, you MUST satisfy my demands!\nAny information that is NOT PHYSICALLY PROVEN to be COMPLIANT to \nevery and one even each any and or all of the client\'s State\'s and or the \nfederal reporting laws MUST be returned to compliance even should that \nrequisite annulment of item\'s reporting. No entity is with authority to retain or \nreport any allegations not DEMONSTRATED by certificate of FACT to be \nfully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, \nand or of a determined RESPONSIBILITY and the presentation of the \ninformational evidence MUST BE IRREFUTABLE to be so.\nInjury causing subterfuge is unlawful to retain. You are not Authorized to \nreport or even once alleged adverse remark unproven upon a requested \ncompliance check. You must Annul in brief, even right now and right here, by \ncomplete and PERMANENT DELETION any or even one not irrefutable \nallegation(s) deficient of physical composed writ certificate(s) in testimony of \nthe exact and full truth, correctness, timeliness, completeness, ownership, \nresponsibility, and or documented evidence of precise and willfulness to \ncomply with every single one even any and or all of the requisite \nmandates/statutes/acts/obligations/and or laws related and pertinent to legal \nreporting of any information, known or not. Attest now to the metro-2 \nrequired truth, accuracy, fullness, timeliness, ownership, responsibility and or \ncompliance(s) otherwise, whether mentioned or not. Ignorance of obligations \nto compliant reporting is NOT lawful exoneration of your responsibility to \n100% accurate, true, and metro-2 compliant data formatted reporting \nregulations of which you are obligated. Federal laws allow me to compel you \nto retain and or return adequate accountability. Failure or unwillingness to do \nso might be remedied and rectified in my favor per monetary compensation \nfor your infringements of my civil and or consumer rights and violations of the \nlaws required of you. Right now demonstrate to me any and all applicable \nmetro-2 reporting mandates including but not limited to every date and \nbalance, each calculation and audit, the invoices and documented current \nidentities, every notation not to forget the five (5) portioned personal \nidentifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric \nsource codes, every applicable creditor classification code(s), the 3 applicable \nand precise sequenced 386 pieces of confirmation to collect(-ions) or any \nobligation else-wise. Return or Retain federally required compliance with your \nimmediate and dull eradication of any and one of the adverse and or \nderogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let \nthis notice of my official writ composed DECLARATION of Not Proven \nCompliant Misinformation that is either or all of the following: DEFICIENT of \nadequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, \nTIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or \notherwise irrefutable compliant obligatory and regulatory requisite compliant \nreporting thereby mandating your immediate actions to rectify and remedy \nand any all infraction-ious behavior(s) by retaining or returning to \nDEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 \ndata field formatted reporting! Please provide me with all of the information \nyou used for your investigation, as required by FCRA 611 (a) (7).Please reply \nwithin 10 days or delete the negative items, as originally requested. If you FAIL \nto respond to this demand and tort notification, your firm will be added to the \npending action as complicit in this data breach of my personal information.\n1. Tell me in writing what information you refuse to remove and why.\n2. Tell me in writing what you did to determine that the information \nwas accurate.\n3. Note the information as disputed BY the CONSUMER on my credit \nreport\nAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are \nrequired by federal law to verify - through the physical verification of the \noriginal signed consumer contract - any and all accounts you post on a credit \nreport. Otherwise, anyone paying for your reporting services could fax, mail or \nemail in even a potentially fraudulent account.\nAccording to the provisions of the Fair Credit Reporting Act  611(a) [15 \nUSC 1681i(a)], these disputed items must be reinvestigated or deleted from \nmy credit record within 30 days. During the investigation period, these items \nmust be removed from my credit report as the mere reporting of items prior \nto debt validation constitutes collection activity. I am also requesting the \nnames, addresses and telephone numbers of individuals you contacted during \nyour investigation.\nPlease notify me that the above items have been deleted pursuant to  611\n(a)(6) [15 USC  1681j (a) (6)]. I am also requesting an updated copy of my \ncredit report, which should be sent to the address listed below. According to \nthe provisions of  612 [15 USC  1681j], there should be no charge for this \nreport. If you have any questions or need additional information, please \ncontact me at address noted below. I think 15-20 Days should be ample \nenough time to get this completed since this is my NOT my first time \ncontacting your organization.\nFurther, CONFIRM the five key components of our individual identities in case \nthis data breach becomes yet another case potentially leading to my inclusion \nas a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT\nPROVEN COMPLIANT RETAINING and or REPORTING of consumer records, \nparticularly that of personal identifiers. Therefore, I must request that your \nbureau confirm in writing the following personal information:\n1- FULL LEGAL NAME as it Appears on my Credit report\n2- Legal Address of Record\n3- SSN # (or redacted last 4 digits)\n4- Date of Birth\n5- Zip Code for my Home Address\nThe CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the\nprecise and exact fully complete 426-character P-Segment or Trailing Segment \nthat is to include the minimally five portioned PERSONAL IDENTIFIERS to \nwhich databasing of alleged trade-line information occurs.Per CRSA, autopopulating ANY data\nfield input entry and or application of Slash Entries (such \nas XXXX  or 00000, etc) into the Metro 2 system is automatic call for deletion \ndue to any and all repeating entry as NULL and VOID. Moreover, the \nregulatory obligation dictates that any and all data furnishers MUST include an \nattached XXXX XXXX that absolutely accurately and completely \nincludes ALL of the account of allegation(s) specifics!Must be performed in a \nREAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a \ndata furnisher fails to respond within 20 calendar days, e-Oscar is to \nterminate challenge in favor of consumers and or auto-escalate any and all \nconsumer complaints to a certified Metro 2 compliance trained SPECIALIST. \nBeing Phase III of the Implementation of the CRSA,XXXX  auto-responders \nare not compliant and unlawful if used by furnishers or accepted by \nCRAa.Federal laws mandate MANUAL ENTRY for any and all consumer\'s FULL \nP-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial \nfact to this occurring. Submit/re-submit shuffling to populate the metro 2 data \nfields are illegal. Responsible, Lawful, ethical, and compliant consumer credit \nreporting is the REQUISITE technical accuracy in EVERY single item retained \nand or reported to or by any consumer credit reporting agency. Metro 2 \ncompliance requires exacting P-segment, to include the minimal five(5) \nportion personal identifiers as well as a PRECISELY and COMPLETELY FULL \naccount trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE \nSpecialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. \nFurther, this qualifying certification can be REVOLVED by CONSUMER \nCOMPLAINTS per the XXXX  Signing Statement.I repeat, to lawfully retain and \nor report any claim of information, be it an account or any aspect of such, the \nmust be irrefutable fullness in the truth of reporting, correctness of reporting, \nCOMPLETENESS of reporting, TIMELINESS of reporting and of the reported \nallegations, undoubtable ownership, irrefutable responsibility of adverse \nclaims, and or adequate and complete INFORMATIONAL COMPLIANCE to the \nCRSA enacted CDIA Metro 2 data field formatted reporting regulatory \nstandards and obligations to include the 81-month time relevance of account \nreported/ how reported/when reported,PRESENT and RELEVANT PERSONAL \nIDENTIFIERS.Further lawful reporting demands that the regulatory compliance \nrules are applied EVENLY and thoroughly from data provider to consumer \ncredit reporting repository.Accuracy and completeness of all of any and all \ninformation, particularly derogatory consumer information, must abide by \nevery and one of current MY states reporting regulations as well as those of \nfederal laws ,even the CDIA METRO 2 COMPLIANCE standards due to the \nimplementation of the Credit Reporting Settlement Agreement (CRSA.)\nIs the Personal Identifier information alleged in the reported 426-\ncharacter P-SEGMENT true, correct, and complete to standards of \nCERTIFIED METRO 2 COMPLIANCE?\nPlease demonstrate adequate proof of precisely true, accurate, and \napplicable VALIDATION of the claimed reported CREDITOR \nCLASSIFICATION CODES, or eradicate every single one and each any and all \nof the adversary derogatory accusations injuring me \nimmediately, TODAY even NOW and HERE!\nPlease verify and validate physically each and every claim of this alleged yet \nunproven to be my responsibility or fault. Please demonstrate readily and \ntimely the precise confirming facts of the alleged account including every\nsingle one even each any and or all of its article aspects by federal laws. You \nmust willfully and promptly DELETE TODAY even right now the deficient \nreporting or else present to me true documented certificated proof of all data, \nevery notation, date, balance, calculation, audit, personal identifiers, each of \nthe requisite 426-characters of the exact and fully compliant P6 statement, any \nalpha/numeric and or alphanumeric source4 code deciding the leftness or \nrightness states, and even every aspect of the mandated 386 pieces of \nconfirmation to collection.\nThis series of misreporting seems to me clearly involves a universal and \ncomplete failure by your firm to obtain, retain, maintain, and utilize adequate \nand lawful regulatory compliant and reasonable procedures to assure \nmaximum possible accuracy of consumer credit information as described in at \nleast 15 U.S.C.  1681. There is little doubt that you have no evidence that this \nclearly does belong to me, is exactly true, fully complete, within timely \ndefinition per federal standards and has been erroneously placed onto my \ncredit report. The items of problematic accusations that I believe to be \nincorrect to its proper reporting and allowance of reporting per my state and \nfederal laws are detailed both above and below.\nYour failure to demonstrate the REQUIRED presentation of \ncomposed PROOF as demanded in this declaration would compel me to \nconsult my consumer complaint lawfully to the members of the XXXX  as \nundoubtedly reporting not only must be true, timely, and accurate but also in \nits COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all \nconsumer reporting repositories.\nBy the provisions of the Fair Credit Reporting Act and per the standards of \nreporting compliance implemented with the CRSA enacted CDIA Metro 2 \nCOMPLIANCE regulations, I demand that these above mentioned derogatory \nitems be investigated and permanently removed from my report. It is my \nunderstanding that you will recheck these items with the creditor who has \nposted them. Please remove any information that the creditor cannot verify. I \nunderstand that under 15 U.S.C. Sec. 1681i(a), you must complete this \nreinvestigation within 30 days of receipt of this letter.\nPlease send an updated copy of my credit report to the above address. \nAccording to the act, there shall be no charge for this updated report. I also \nrequest that you please send notices of corrections to anyone who received \nmy credit report in the past six months.\nThank you for your time and help in this matter.\nSincerelyXXXX 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