Consumer complaint received 2023-05-10
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:
RE : DISPUTING ERRORS ON CONSUMER REPORT TO WHOM IT MAY CONCERN, I AM WRITING TO REQUEST A CORRECTION OF THE FOLLOWING INFORMATION THAT APPEARS ON MY CONSUMER REPORT WITH YOUR COMPANY. I AM CERTAIN THAT THE FCRA PROVIDES IN FULL DETAIL THAT ALL MY INFORMATION IS TO BE REPORTED CORRECTLY AND ACCURATE ON MY CONSUMER REPORT. UPON REVIEWING MY CONSUMER REPORT YOUR COMPANY IS IN VIOLATION WITH THE FCRA 15 USC 1681 WHERE IT STATES, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


LISTED BELOW ARE THE ACCOUNTS IN VIOLATION. 

XXXX XXXX XXXXXXXX DATE LAST ACTIVE : ( XX/XX/XXXX ) ACCOUNT HAS REPORTED I WAS LATE IN XXXX OF XXXX. 
I WOULD LIKE ALL LATE PAYMENTS TO BE REPORTED AS PAID ON TIME. 
PLEASE UPDATE PAYMENT HISTORY TO PAID IN FULL AS YOUR COMPANY IS IN VIOLATION OF FCRA 15 USC 1666B- A creditor may not treat a payment on a credit card account under an open end consumer credit 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. 

XXXX XXXX XXXX DATE LAST ACTIVE : ( XX/XX/XXXX ) ACCOUNT HAS REPORTED I WAS LATE IN XXXX OF XXXX. 
I WOULD LIKE ALL LATE PAYMENTS TO BE REPORTED AS PAID ON TIME SINCE ACCOUNT HAS BEEN PAID IN FULL. 
PLEASE UPDATE PAYMENT HISTORY TO PAID IN FULL AS YOUR COMPANY IS IN VIOLATION OF FCRA 15 USC 1666B- A creditor may not treat a payment on a credit card account under an open end consumer credit 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. 
PLEASE UPDATE ACCOUNT ADDRESS TO MY CURRENT ADDRESS ON THIS LETTER ABOVE. 

XXXX XXXX XXXXXXXX DATE LAST ACTIVE : ( XX/XX/XXXX ) ACCOUNT SHOULD NOT BE ON MY CONSUMER REPORT I WOULD LIKE FOR THIS ACCOUNT TO BE DELETED ACCORDING TO 15 USC 6801- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 


XXXX XXXXXXXX DATE LAST ACTIVE : ( XX/XX/XXXX ) IN VIOLATION UNDER 15 USC 1666B- A creditor may not treat a payment on a credit card account under an open end consumer credit 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. 
ACCOUNT WAS PAID IN FULL AND I ADVISED FOR THIS ACCOUNT TO BE DELETED. 
I WOULD LIKE FOR YOU TO DELETE THIS ACCOUNT. 

XXXX XXXXXXXX XXXX XXXXXXXX DATE LAST ACTIVE : ( XX/XX/XXXX ) ACCOUNT REPORTED THAT I WAS PAST DUE ACCOUNT IS IN VIOLATION OF FCRA 15 USC 1681 ( A ) ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term consumer report DOES NOT include : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, IN VIOLATION UNDER 15 USC CODE 6801- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
PLEASE DELETE THIS ACCOUNT ACCORDING TO FCRA, CONSUMER REPORTING AGENCIES ARE REQUIRED TO FOLLOW REASONABLE PROCEDURES TO ENSURE THAT THE INFORMATION REPORTED TO MY CONSUMER REPORT IS COMPLETELY ACCURATE. PLEASE INVESTIGATE ALL THE INFORMATION THAT WAS PROVIDED. I WILL ALSO BE ATTATCHING A RECENT CONSUMER REPORT WITH ALL ERRORS CIRCLED. ACCORDING TO THE FCRA YOU HAVE A TOTAL AMOUNT OF 30 DAYS TO REPLY BACK WITH DETAILS, IF NOT, ALL ITEMS MUST BE DELETED OR CORRECTED. IT IS IN MY KNOWLEDGE THAT I WOULD HAVE TO TAKE LITIGATION PROCDURES WHICH WILL ALLOW ME TO ATTACK YOUR COMPANY FOR {$1000.00} PER VIOLATION. 



ENCLOSED : FLORIDA DRIVERS LICENSE CURRENT CREDIT 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