Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Kindly note the reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The cited matter under consideration exhibits evident discrepancies, as disclosed, which seemingly contravene the essential norms governing the ethical and conformant disclosure of said assertion. As stipulated by XXXX guidelines, any modification to the established criterion could give rise to inquiries concerning the veracity of the data in question. Observable signs raise concerns of plausible inconsistencies in adhering to the mandated and verifiable Metro 2 format Standard ( s ) for reporting. 
We would like to bring to your attention that the reported Payment Status ( XXXX ) : 90 Delinq is listed as derogatory on all three credit reports. We kindly request that you take immediate measures to ensure that the information in your records complies with all industry standards for accuracy. It is concerning to observe deviations from the mandatory regulations and compliance guidelines for this account. It is evident that there must be an error, and we urge you to take prompt action by deleting this account to avoid further damage. 
Allow us to examine the reporting of Balance ( XXXX ) : {$5700.00} within the report at hand. It has come to our attention that there appears to be an issue with the reported data, as it does not align with the prescribed standards. The observed deviations from the required criteria raise concerns about the accuracy of the data. 
It is essential to emphasize that the reporting of all data fields must strictly adhere to the established Metro 2 standards, leaving no room for any deviation from these mandated requirements. 
I am writing to formally contest the accuracy and compliance reports pertaining to the account associated with Past Due ( XXXX ) : XXXX. Upon careful examination, I have identified potential discrepancies in the reporting process, which may have implications for future loans or decisions relying on these erroneous assumptions. I kindly request substantiating evidence that confirms adherence to all necessary procedures, ensuring that our records maintain precise and reliable information concerning my personal details. 
Let us direct our attention to the reporting of No. of Months ( terms ) ( XXXX ) : XXXX within the report. It has come to my attention that there may be a concern regarding the data reported, as it does not align with the required standards. The accuracy of the data is potentially compromised due to its deviation from the prescribed criteria. As you are well aware, it is of utmost importance that all data fields are reported in strict compliance with the Metro 2 standards. Any deviation from these stipulated requirements is not permissible. 
We respectfully bring to your attention that the reported Last Reported : XX/XX/XXXX displays inconsistencies across the three credit reporting agencies. Compliance with the Metro 2 standards is crucial to ensure precise and reliable data reporting. Any deviation from these mandatory fields could potentially compromise the integrity of all reported information. Upon reviewing this account, we have observed apparent inaccuracies that call into question the validity of the entire account. We kindly request that you take immediate action to address this matter to restore the accuracy and reliability of the reported information. 
We would like to bring to your attention that the reported Date Last Active ( XXXX ) : XX/XX/XXXX has been listed as derogatory on all three credit reports. It is paramount to ensure that the information in your records complies with all industry standards for accuracy. We are surprised to note deviations from mandatory regulations and compliance guidelines for this account, which is concerning. It is apparent that there must be 3 of 4 some kind of error, and we kindly request that you take immediate action to delete this account to prevent any further damage. We urge you to rectify this matter without delay. 
We have observed that the reported Date of Last Payment ( XXXX ) : XX/XX/XXXX does not seem to conform to the mandated guidelines for accurate reporting. As per the Metro 2 guidelines, it is crucial to ensure that all fields are correctly filled out, and that the reporting is fully compliant. Therefore, we kindly request that you take immediate action to either remove this inaccurate record from my report or provide evidence of your compliance with the applicable standards. We appreciate your attention to this matter and look forward to a prompt resolution. 
It has come to my attention that the reported Date Opened ( XXXX ) : XX/XX/XXXX for all bureaus may not conform to the required reporting standards and decorum. I am writing to kindly request an explanation as to why your account appears to be inaccurate or inconsistent with the established reporting guidelines at XXXX. I have noted some discrepancies, and I would appreciate if you could address and resolve them in a timely manner. Thank you for your attention to this matter. 
Upon reviewing the aforementioned 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX, it is of utmost importance that you ensure the accuracy of the information contained within your records, adhering strictly to all industry standards. I must express my deep concern upon discovering deviations from mandatory regulations and compliance guidelines pertaining to this particular account. It is evident that an error has occurred, and therefore, I kindly request that you promptly proceed with the deletion of this account. I implore you to rectify this situation without delay, in order to mitigate further potential consequences. 
I am aware that you have been responding to consumer disputes and challenges with form letters, without giving proper consideration to the individual circumstances and specific information provided. This is against the law, as each dispute and challenge must be addressed on its own merits. I wrote the letters you received using software that is available to everyone, and failure to process them would be a violation of 15 U.S. Code 5 1681i. 
Please note that delaying the processing of consumer letters based on the assumption that help from a third party may be available is not a legal exception. I am the author of all letters you receive with my name on them, and they were written with my full knowledge and consent. While there is no legal requirement for a Power of Attorney to process consumer letters, it is important that you comply with the law and process my letters in a timely manner. 
If my letters are not processed promptly and properly, I will consider it a deliberate disregard for my rights as a consumer, and I will take legal action by contacting my lawyer. 
Thank you for your time and help in this matter. 
Sincerely, 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 explanation