Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: IA
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:
I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX. XXXX BANK - ACCOUNT ENDS IN XXXX, credit Limit {$9700.00}. This is reported as late, delete all late payments. You also are reporting this account balance in error. See attached proof of XXXX balance. This is an error of accuracy per : Fair Credit Reporting Act 15USC 1681e ( B ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX. XXXX XXXX - ACCOUNT ENDS IN XXXX his is reported as late, delete all late payments. You also are reporting this account balance in error. See attached proof of XXXX balance. 

XXXX. XXXX XXXX XXXX - ACCOUNT ENDS IN XXXX his is reported as late, delete all late payments. You also are reporting this account balance in error. See attached proof of XXXX balance. 

XXXX. XXXX XXXX XXXX ( auto loan ) - ACCOUNT ENDS IN - XXXX, delete all late payments. 

XXXX. XXXX XXXX XXXX XXXX - Listed under closed accounts - XX/XX/2019 marked as late. Delete. I was NEVER LATE! 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$2000.00} per violation for : Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 5. Fair Credit Reporting Act 15USC 1681e ( B ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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