Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Experian has dragged there foot and neglected my rights and about what they law allows and doesnt they choose not to follow or uphold certain policies and rules there refusal of removing inaccurate information from my consumer report is a clear violation, its illegal there still working on it approach is not acceptable either your going to follow the law or your not I have disputed these accounts several times but no-one cares about what the IRS says or Cornell Law either or what can and what can not be furnished upon a consumer report. Experian the entity is a crook I need your help to step in to right the wrongs Cfpb. The accounts in question are ILLEGAL LATE PAYMENT REPORTING : 15 USC 1681A ( 2 ) ( a ) Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So these Accounts listed below are reporting transactions and or experiences and this is illegal, consumer law states transactions are not part of a consumer report., or how about 15 USC 1666B TIMING OF PAYMENTS, and 15 USC 1666 CORRECTION OF BILLING ERRORS, Consumer law prohibits this type of reporting, the listed accounts below are to be Deleted and Removed from my Consumer Profile asap. I did not give written permission to report anything to my consumer report and they did not have Permissible Purpose by law to furnish any private or personal information to any Third-Party Reporting Agencies 15 USC 1681b2 and 15 USC 1681b and by me not given them written permission that is Identity-Theft pursuant 18 USC 1028A XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX if you look at the date payed XX/XX/XXXX its reported on my consumer report as the date that its saying 30 days late make it make sense how could it be payed and late on the same date after the last payment I closed the account inaccurate reporting information that they dont even have the right to report XXXX XXXX # XXXX Date Opened : XX/XX/XXXX | Late Payment Reported : XXXX XXXX XXXX XXXX  | Account # : XXXX Late Payment Reported : XX/XX/XXXX BY LAW 15 USC 1681A ( 2 ) ( a ) Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So these Accounts listed below are reporting transactions and or experiences and this is illegal, consumer law states transactions are not part of a consumer report., or how about NONE OF THESE ACCOUNTS ARE LEGAL BY LAW AND SHOULD NOT BE REPORTING ON MY CONSUMER REPORT

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