Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is, mailed or delivered to the consumer not later than 21 days before the payment due date.15 USC 6802 Obligations with respect to disclosures of personal information ( b ) Opt out which states they must disclose to you, which they did not give me a disclosure to opt out of my nonpublic personal information being reported to a nonaffiliated third party. Lack of privacy violated reporting of my personal credit rating and credit standing took place. In accordance of 15 U.S. Code 1666a, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party. 

XXXX XXXX XX/XX/XXXX 30 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX 30 Day XXXX 30 Days XXXX 30 Days Late. 
( PLEASE UPDATE ALL ABOVE PAYMENTS ABOVE AS PAANL status ( Paid as Agreed, Never Late ). 
15 USC Code 1681b is a section of the Fair Credit Reporting Act that outlines the permissible purposes of consumer reports1. Consumer reporting agencies may furnish a consumer report only in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists. 


XXXX XXXX XXXX XXXX XX/XX/XXXX 30 Day Late XX/XX/XXXX 30 Day Late XX/XX/XXXX 90 Day Late XX/XX/XXXX 120 Day Late XXXX Charged Off Account. 
( PLEASE UPDATE ALL ABOVE PAYMENTS ABOVE AS PAANL status ( Paid as Agreed, Never Late ). 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists. 


XXXX XXXX XXXX XXXX XX/XX/XXXX 30 Days XXXX 30 Days XXXX 30 Days XXXX 30 Days XXXX 30 Days XXXX 30 Days XXXX 30 Days XXXX 30 Days XXXX 60 Days XXXX 30 Days XXXX 30 Days XXXX 30 Days XXXX 30 Days XXXX 30 Days XXXX 30 Days XXXX 30 Days XXXX 30 Days XXXX 60 Days Late. 
( PLEASE UPDATE ALL ABOVE PAYMENTS ABOVE AS PAANL status ( Paid as Agreed, Never Late ). 
15 USC Code 1681b is a section of the Fair Credit Reporting Act that outlines the permissible purposes of consumer reports1. Consumer reporting agencies may furnish a consumer report only in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists. 

US Sm Bus Admin XXXX  XX/XX/XXXX ( HARD INQUIRY ) XXXXCurrent ( CHARGED OFF ACCOUNT ) ( PLEASE UPDATE ALL ABOVE PAYMENTS ABOVE AS PAANL status ( Paid as Agreed, Never Late ). 
15 USC Code 1681b is a section of the Fair Credit Reporting Act that outlines the permissible purposes of consumer reports1. Consumer reporting agencies may furnish a consumer report only in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists. 

XXXX XX/XX/XXXX ( ORGINAL BALANCE ) {$12000.00} ( Removal From Report Is Needed ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists. 

If failed to do the following above I will immediately seek legal action and proceed with filing for monies.

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