Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: TX
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:
XXXXXXXX XXXXXXXX XXXX has failed to respond to my notice regarding this issue, sent via certified mail and return receipt. I have a signature of proof of delivery : XXXX XXXX XXXX is still reporting incorrect information to XXXX, Experian, and XXXX on my credit report. The incorrect information is a 30-day late payment, still showing in XXXX of XXXX. This incorrect information must be DELETED immediately. 

To provide further context as to the extent of XXXX XXXXXXXX XXXX  negatively affecting other consumers, the XXXX states the following about XXXX XXXX XXXX front and center on their XXXX XXXXXXXX XXXX profile page XXXX  files indicate that this business has a pattern of complaints concerning billing/collection issues. Complainants allege that XXXX XXXX XXXX  charges consumers, sometimes repeatedly, without authorization, which may include late or unexplained fees. Complainants also allege that XXXX XXXXXXXX XXXX forwards incorrect information to credit reporting agencies such as XXXX, Experian, and XXXX. 

Source : XXXX XXXX XXXXXXXX Furthermore, XXXX XXXX XXXX states , If your payment is 30 or more days late, the credit card company will typically report it to the three major credit bureaus If youre able to bring your account current before it is 30 days past due, your credit shouldnt take a hit. 

Source : XXXX XXXX XXXX  Keeping the above in mind, I have received multiple verbal confirmations from multiple XXXX XXXX XXXX customer representatives, over recorded phone calls, that the incorrect 30-day late payment showing on XX/XX/XXXX should have already been corrected and adjusted ( shown on attached bank statement ) and should no longer be reporting to the Credit Bureaus as late . I have the exact timestamps of these phone calls via XXXX XXXX, and I will file a subpoena for them if needed. 

Furthermore, multiple XXXX XXXXXXXX XXXX  customer representatives have also attempted to remedy the reporting of this incorrect information by double checking the adjustment that was triggering the incorrect 30-day late payment, as well as by filing yet another XXXX XXXX XXXX  Request ID. 

However, after having filed an additional dispute through Experian with multiple dispute # 's, XXXX XXXX XXXX  is still verifying

the 30-day late payment is correct. As supporting evidence of my timely payment history on all of my acco
unts, attached are the XXXX, Experian, and XXXX Credit Reports illustrating EXCEPTIONAL payment history of EACH of my accounts, showing the only negative outlier to be the XXXX XXXXXXXX XXXX  account in dispute. 

Also included within the package I sent to XXXX XXXX XXXX  via certified mail and return receipt were printed copies of XXXX XXXXXXXX XXXX  XXXXtatements and XXXX XXXXXXXX XXXX  email correspondence that illustrates XXXX XXXX XXXX  incorrect and contradictory reporting, as well as a notarized affidavit that expresses I have received first hand admittance from multiple XXXX XXXXXXXX XXXX  representatives that this " late payment '' should have been taken off and no longer showing on my credit report. 

As of today, XX/XX/XXXX, XXXXXXXX XXXX XXXX  is still reporting incorrect information to XXXX, Experian, and XXXX which is harming my credit report. This incorrect information must be removed and corrected immediately. 

XXXX XXXXXXXX XXXX  has a legal responsibility to report correct information to XXXX, Experian, and XXXX in a timely fashion, and I will no longer be a victim of XXXX XXXXXXXX XXXX  reporting incorrect information. 

Failure of XXXXXXXX XXXX XXXX  to promptly remedy the reporting of incorrect information to XXXX, Experian, and XXXX will, at minimum, result in immediate account closure and complaints filed with the XXXX, the CFPB, and the respective Attorney General if needed. 

Lastly, I also reserve the right to file a lawsuit against XXXX XXXXXXXX XXXX in small claims court for financial damages and consumer rights violations if XXXX XXXX XXXX  fails to respond and confirm remedy in writing by the aforementioned allotted times. 

Note : The allotted time established via certified mail and return receipt, and pursuant to the Texas Business and Commerce Code - BUS & COM 17.505. Notice ; Inspection has already already passed, and I will be moving forward with filing a small claims lawsuit if this is not remedied accordingly by the CFPB allotted time.

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