Consumer complaint received 2025-01-24 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: AZ

Complaint narrative:
XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were sent Notice to Cease and Desist reporting of several currently reported injurious claims ; unproven yet to be factual and physically validated as true, correct, complete, timely and certifiably Metro 2 format compliant. 

The claim by XXXX XXXX XXXX was to be checked for requisites and immediately removed from reporting of ONLY factually true, complete, timely, validated and certified allegations. This original Notice was sent XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX failed to provide any of the requested information. 

I filed a previous CFPB complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, again, failed to provide any of the requested and required information validating the account. XXXX  response to the CFPB complaint was a declaration of XXXX  XXXX Bankruptcy and no attempt to substantiate its claim. However, neither XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX have ceased reporting the unsubstantiated claim, as required by law. 

This is an account that was previously removed from reporting to my personal credit profile. Public records demonstrate that the opening of this account occurred during a timeframe the account information could not possibly be accurate. ( SEE ATTACHMENT 1 ) Per my States reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and/or certifiable compliant reporting elsewise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA AND FDCPA laws , much less the standard of compliant reporting of the documented perfect and complete Metro 2 Format compliance of reporting. XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 's current reporting practices are significantly deficient and unproven to be factually true, correct, complete, timely, validated, and/or elsewise certified compliant as related to the mandates and standards of lawful reporting, per the applicable aspects of FCRA and FDCPA to include but not limited to the mandatorily perfect and complete certified Metro 2 format reporting. 

XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are reporting inaccurate and incomplete information, in regards to the below noted allegedly derogatory account. 

A complete dissection of XXXX XXXX, EXPERIAN XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 's unlawful reporting is attached to this complaint. The attachment details nearly four years of unsubstantiated reporting.

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