Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 XXXX XXXX XXXX  XXXX, FL XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) To the CEO and Lawyers of 3 Credit Bureaus , This is at least my third time writing you about late payments on my credit report. I am trying to resolve this amicably before filing litigation against your company for your inaccurate erroneous reporting. My report contains multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed As a consumer by law, these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XX/XX/XXXX, and Federal Trade Commission ). 

My final warning to you. 

Also, I am aware of your attempts to delay the processing of many consumer disputes and challenges based on your belief that some consumers are working with a third-party such as a credit repair company. Your delay is illegal, as it is the right of all consumers to work with such a company if they so choose, and you have no legal basis for delaying the processing of those letters. However, let me make it clear that my letters I'm using were created using applicable software and regulations available to ALL consumers, and that this is your notice that any delay in the processing of my letters is a violation of 15 U.S. Code 1681i, which sets forth the procedure in which a Consumer Reporting Agency must investigate a consumer 's reasonable dispute, and lists out the exceptions, and will be considered willful disregard of my rights as a consumer and will be forwarded to my attorney for litigation purposes. There is no such exception that would legally allow you to delay the processing of a consumer 's letters to you based on an unfounded assumption that assistance from a third party may exist. Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. Also be advised that I am aware that no statute in the FCRA suggests that a Power of Attorney must be provided to you, or that without said Power of Attorney documentation you without said Power of Attorney documentation you are allowed to delay the processing of a consumer 's letters to you. 

Again I want an officer of your company to swear under oath that everything listed pertaining to the items below are Maximum accuracy Thanks for your help with this matter. 

Sincerely yours, XXXX XXXX

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