Consumer complaint received 2023-10-17
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:
I hope this letter finds you well. I am writing to dispute inaccurate information that is currently being reported in my credit report by your agency. I believe that my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) are being violated due to the presence of late payments on my credit report for the following accounts : ACCOUNT NAME- XXXX  ACCOUNT NUMBER- XXXX INACCURATE LATE PAYMENT REMARKS DATE- XX/XX/2023 Late 30 days, XX/XX/2023 Late 30 days The inaccuracies stem from a violation of several key provisions of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681 Section 602 - Right to Privacy : This section of the law asserts my right to privacy regarding my credit information. I have not provided written consent for the accounts in question to be furnished to your agency.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Consent Requirement : It is my understanding that a consumer reporting agency such as yours can not furnish an account without the written consent of the consumer, which, in this case, is me.

15 U.S.C. 1681a - Definitions - Rule of Construction Exclusion : The definition of a " consumer report '' in this section explicitly excludes any report containing information solely regarding transactions or experiences between the consumer ( myself ) and the entity making the report. Therefore, these late payments should not be included in my credit report.

15 U.S.C. 1666b - Prohibition on Treating Payment as Late : This section prohibits creditors from treating payments on a credit card account as late for any purpose. Hence, the late payment information reported for these accounts is in direct violation of this provision.

Given the clear violations of my rights under the Fair Credit Reporting Act, I request that you take immediate action to correct these inaccuracies in my credit report. Specifically, I demand that all late payments for the accounts mentioned above be updated to " Paid as Agreed/Never Late '' without delay.

Please investigate this matter promptly and provide me with written confirmation of the corrections made to my credit report. I understand that you have 30 days from the receipt of this letter to complete your investigation, as mandated by the Fair Credit Reporting Act.

Failure to take corrective action within the stipulated time frame will leave me with no choice but to pursue legal actions to protect my rights under federal law. I trust that it will not come to that, and your agency will promptly rectify these inaccuracies.

I appreciate your immediate attention to this matter and look forward to a swift resolution. You may contact me at the phone number or email address provided above should you require any additional information. 

Sincerely, 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