Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX ( XXXX ) has violated my rights under 15 U.S. Code 1681s2 ( 2 ) ( A ) ( B ) : ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

I've had previous contact with XXXX XXXX about reporting to Experian that in XXXX I was 60 days late, then in XXXX I was 60 days late. That's clearly inaccurate because you can't be 60 days late twice in a 30-day period, and they were unable to adjust the inaccuracies of my transaction history with them in a timely manner. By law, I am requesting the removal of all late payment transactions and to be adjusted to PAID ON-TIME, NEVER/LATE because of inaccurate reporting. 

XXXX ( XXXX ) has violated my rights under 15 U.S. Code 1681s2 ( 2 ) ( A ) ( B ) : ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

I previously disputed this account because they keep furnishing inaccurate information by telling the credit reporting agency Experian I was 90 days late, then in charge of for 2 years. It's clearly inaccurate and against all laws on consumer rights. How can an account go past 30-60 days without contact from the creditor to the consumer, and they neglected to correct this inaccuracy. And another reason it's inaccurate is because the account was opened in XXXX but in XXXX it went UNREPORTED, then later started reporting to my consumer report. This account needs the removal of all late payment transactions and to be corrected to PAID ON-TIME, NEVER/LATE because of inaccurate reporting.

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