Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, XXXX XXXX XXXX wrote me a letter saying that they closed my account due to a correspondence they received stating that I was trying to offset my account by illegal tender. I was given bad information regarding my taxes and the correspondence was NEVER intended to set off or not pay my bill regarding my credit card. I made a payment of {$400.00} to my card ending in XXXX on XX/XX/2023 but could not use my credits on my card because XXXX XXXX XXXX closed my account. I REPEAT, there has been a misunderstanding because I have had these cards for over XXXX years and I have never had a 30 Day Delinquency. This morning I received a notification from my Experian report saying that XXXX XXXX XXXX put a 30 Day delinquency on my account for the card ending in XXXX. They are violating my rights under the Federal Equal Opportunity Act which prevents them from keeping me from using my own line of credit. Also according to 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. In other words they can not be extended use of MY credit and not allow me to use it myself. They are expecting me to pay on a line of credit that they have closed me from using and then damage my consumer report and cause me harm as an adverse recourse. They are NOT ALLOWED to do that. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report. Under 15 USC 1681n, - Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed.

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