Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX, and I have been the proud owner of my latest XXXX purchase, the XXXX XXXX XXXX XXXX XXXXXXXX, since XX/XX/XXXX. As this is not my first XXXX purchase in my history of buying cars, I have repeatedly made sure to make the continued purchase of your vehicles due to the dependability, gas mileage, style, class, and the racing-inspired spirit XXXX truly is all about. 

This letter is detailing that during my current agreement to complete payments on my car, currently financed through XXXX XXXX XXXX XXXX XXXX, I have noticed five late payments, reported to only two of the three major credit bureaus ( Experian XXXX XXXX ) that have severely hurt my credit scoring in XXXX. I am writing to request that these late payments be removed for several reasons below : My profile and notes from recent calls made to XXXX and Customer Service will reflect that they have confirmed that my account should be reported to all three bureaus, not just Experian and XXXX, for the past three years. ( XXXX has never received history on my positive activity since this account has been open. ) Under these follow laws that protect other persons who are purchasers and me - 15 USC 1681 section 602 A. States I have the right to privacy. 

[ I have the right to private my client history between XXXX and myself. However, the history of 31 out of 60 payments have been made public on my credit reporting files/accounts without my written consent. ] 15 USC 1681 Section 604 A Section 2 : ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

[ I have never personally given any written by certified mail, email, etc., permission to XXXX to share this data, history, or payment details with any of the three major reporting agencies ( Experian, XXXX, & XXXX ) nor any of the various secondary reporting agencies such as ( XXXX, XXXX, XXXX XXXX, XXXX etc. ) ] 15 USC 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. 

[ The law protects me and defines any inaccuracies in reporting mandates that deletion of these errors must occur or be made positive at the consumer 's request when proven wrong. The above laws correlate to my request ; XXXX staff has recorded that my consumer history should report to all three major bureaus, which has yet to happen but has only reported to Experian XXXX XXXX, excluding XXXX. Furthermore, my report as a screenshot shows the inaccuracy in data reporting in several ways, including the missing bureau ( XXXX ), as included in full color in this letter. ] On XX/XX/XXXX, XXXX XXXX XXXX delivered a message to my account online that stated they have been accurately reporting my payment history and will not be making any changes to correct these issues or update all three bureaus with accurate information. 


I request that this inaccurate information be corrected, and any late payments are removed and updated with on-time payment remarks on all credit reports, including the missing XXXX report XXXX as soon as possible.

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