Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Demand for Immediate Removal of Late Payment Entries Under 15 USC 1681 Section 604 ( 2 ) and 15 USC 1666b To Whom It May Concern, I am writing in my capacity as a consumer, to address inaccuracies in my credit report, specifically regarding late payment entries. This letter serves as a formal request for the immediate removal of these entries, based on my rights under the Fair Credit Reporting Act ( 15 USC 1681, Section 604 ( 2 ) ) and the Truth in Lending Act ( 15 USC 1666b ).

Per 15 USC 1681, Section 604 ( 2 ), I assert my right to privacy. This section stipulates that a consumer reporting agency can not furnish information about my account without my explicit written permission. The late payment entries on my credit report have been reported without my consent, thereby violating this statute.

Furthermore, under 15 USC 1666b, a creditor is prohibited from treating any payment on a credit card account under an open-end consumer credit plan as a late payment, unless specific conditions are met. These conditions include the requirement that the creditor must have adopted reasonable procedures to ensure that a periodic statement, including the information mandated by section 1637 ( b ) of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. The late payment entries on my report do not adhere to these requirements. 
Therefore, I demand the immediate removal of all such late payment entries from my credit report. Failure to comply with this demand will compel me to initiate an arbitration lawsuit. Additionally, for every day that these unlawful entries remain on my report, I will add {$1000.00} to the demand balance as compensation for the damages caused by these inaccuracies. 
I expect a response to this letter within 30 days of its receipt, confirming the removal of the inaccurate late payment entries from my credit report. Non- compliance will leave me no option but to seek legal redress for this matter. 
Thank you for your prompt attention to this serious issue. I trust that you will act swiftly to correct these inaccuracies. This information will be reported to the ombudsman office state legislature and Atty general office. All late payments that are reported should be removed immediately upon receipt of this letter. These are the following account that is reporting illegally and will be turned into the state legislature and CFPB and Atty General I have sent notices letting you all know of the illegal credit transactions reporting on my report. Therefore I will file suit against all parties involved.

The following accounts listed below are reporting illegal credit transactions : XXXX XXXX  4 illegal late payment consumer credit transactions Balance {$550.00} XXXX XXXX 2 illegal late payments aka consumer credit transactions accnt # XXXX  Balance : XXXX XXXXXXXX XXXX XXXX 1 illegal late payments aka consumer credit transactions accnt # XXXX XXXX XXXXXXXX XXXX 2 illegal late payments aka consumer credit transactions account # XXXX XXXX 3 illegal late payments aka consumer credit transactions Balance {$8600.00} Sincerely, XXXX XXXX

Company response to consumer: In progress