Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: PA
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:
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1666b - Timing of payments. 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. The late payments on XXXX XXXX XXXX XXXX are current and open, there should not be any late payments reported and I have not received any documents showing these late payments within the 21 days before due payment. Please remove and delete the late payments attached to XXXX XXXX XXXX XXXX from my credit report The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1679c disclosures. Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. Department of educationXXXX student loans are over 7 years old. Please remove these accounts and delete the late payments attached from my credit report. According to code 15 USC 1681. The companies listed below has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Account number XXXX. 
Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX Date Opened : XX/XX/XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date Opened : XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date Opened : XX/XX/XXXX {$8200.00} DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date Opened : XX/XX/XXXX {$920.00}

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 non-monetary relief