Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a copy of my credit report and I have found the following items listed below to be in error.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an Open End consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave You, Experian ) OR ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Dept of Education/XXXX XXXX XXXX XXXX XXXX any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681b . Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. You, XXXX, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
XXXX XXXX XXXX XXXX I was never late on ( XXXX, XXXX or XXXX ) for this account please update the account as Paid/Current. This Account has been discharged. 

XXXX XXXX XXXX XXXX XXXX XXXX I was never late on ( XXXX through XXXX ) on this account please update the account as Paid/Current. This account has been discharged. 

XXXX XXXX XXXX XXXX XXXX XXXX I was never late on ( XXXX through XXXX ) on this account please update the account as Paid/Current. This account has been discharged. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I was never late on ( XXXX through XXXX ) on this account please update the account as Paid/Current. This account has been discharged. 

XXXX XXXX XXXX XXXX XXXX XXXX  I was never late on ( XXXX, XXXX, XXXX ) on this account please update the account as Paid/Current. This account has been discharged. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX I was never late on ( XXXX ) on this account please update the account as Paid/Current. You cant be late on a Secured Loan with your own money. 

Dept of EducationXXXXXXXX XXXX XXXX I was never late on ( XXXX, XXXX ) on this account please update the account as Paid/Current. This account has been discharged. 
XXXX XXXX XXXX XXXX I was never late on ( XXXX ) for this account please update the account as Paid/Current. This Account has been discharged.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation.

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