Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies in the below-listed accounts. CERTAINLY, YOU ARE AWARE THAT COMPLETE COMPLIANT REPORTING IS A MANDATE NOT AN OPTION, AS SUCH ANY DEROGATORY ACCUSATIONS ASSOCIATED WITH A NOT COMPLIANT ALLEGED ACCOUNT MOST DEFINITELY, ARE NOT COMPLIANTLY REPORTING ITSELF IF NOT UNPROVEN TO BE TRUE, CORRECT, COMPLETE, TIMELY, MINE, OR MY RESPONSIBILITY. HERE in this written letter is my formal request for you to bring my credit report into METRO-2 COMPLIANCE. I will take for granted that you know the credit reporting laws ensuring that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none. Given your awareness, coupled with field-trained knowledge, I am certain that you understand that a challenge to produce document demonstration in evidence to all claims of which you can not or will not adequately prove physically within the federally mandated timely fashion you are requisite to ANNUL any such challenged or disputed indicated misinformation immediately by FULL DELETION of every single one even each any aspects of the unproven reported chicanery filled subterfuge. Every step is required to be taken to ensure the information reported is completely compliant, true, complete, timely, and correct. You nor any entity has the authority to retain or report any undocumented and or unproven adverse allegations or physically unverifiable or not validated claims of derogatory items ) of information, true or not! DEROGATORY ACCUSATIONS HAVE TO BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME. I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS IT CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED. AS SUCH, I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL ANY NOW BY FULL AND PERMANENT DELETION OR ELSE ADEQUATELY TESTIMONY TO THE DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED METRO 2 DATA FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS APPROPRIATELY WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SUIT YOU AND SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION.

You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenged so DELETE TODAY even right NOW or unequivocally XXXX physically to every single one even reach any or all of the excerpts, dated assignments, ledger balances, audited enumerations, documents of identification, each of the XXXXcharacter formats fielded XXXX statements, pay, status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificates affirm every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX BANK Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX REMOVE THIS UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief