Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX US Department of Education XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX ATTN : US Dept of EDXXXX Notice of Dispute I checked my credit report and saw that I had fraudulently furnished late payments furnished by your company. I have never been late on this account. These fraudulently furnished late payments are and invasion of my right to privacy. 

Congress has made it clear 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. ( US Dept of ED ) s failure to maintain the integrity of my nonpublic information has caused me substantial harm and inconvenience to my financial reputation due to fraud. Congress has stated that unfair credit reporting undermines public confidence. Which congress has made clear, is essential to the continued functioning of the banking system. 

Pursuant to 15 U.S.C 1681 ( a ) ( b ) any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit Card as defined under 15 U.S.C 1602 ( l ) ( Definition attached and highlighted on Exhibit B ) Pursuant to 15 U.S. Code 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

If US Dept of ED, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished late payment with forethought and malice as an attempt to bring harm to me and my financial reputation. 

Please be advised that I am aware that whoever violates 15 U.S. Code 6821 such as the false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S.

Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both pursuant 15 U.S. Code 6823 ( a ). 

I am demanding the following late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment is submitted to the credit reporting agencies immediately in order to prevent me from receiving more harm as a result of the fraud that has taken place. ** See Attachment** I am conditionally accepting any non-reasonable response, as frivolous, and I will file fault judgment in the favor of the interest of I the consumer, holder in due course, attorney, and administrator in fact. 


You have 15 days from the date of delivery to respond to this notice. Should there be dishonor in the aforementioned requested documentation by failure to disclose requested documents or failure of response, and the particular requests to rectify any fault by US Dept of ED will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully. 

Thanking you in advance for your anticipated quick co-operation on this important matter.

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