Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX [ XXXX ] XXXX XXXXXXXX XXXX Customer Service Department XXXX XXXX XXXX XXXX XXXX, NV XXXX Subject : Formal Complaint Regarding Violation of Fair Credit Reporting Act Dear Sir/Madam, I am writing to express my deep dissatisfaction and concern regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX. As a valued customer, I believe it is crucial for financial institutions to adhere to the regulations set forth by the FCRA to protect consumer rights and ensure fair credit practices. 
Under the FCRA, specifically in accordance with U.S.C. 1681 Section 602A, I am entitled to privacy and confidentiality of my credit information. It has come to my attention that XXXX XXXX XXXX has furnished my account information without my written instruction or consent. This action represents a clear violation of my rights as outlined by the FCRA. 

Additionally, U.S.C. 1666B states that a creditor, such as XXXX XXXX XXXX, is prohibited from treating a payment on a credit card account under an open end consumer credit plan as late for any purpose. However, I have noticed that XXXX XXXX XXXX has erroneously reported late payments on my credit card account, even when the payments were made within the specified due date. This not only tarnishes my credit history but also misrepresents my creditworthiness. 

I have always strived to maintain a responsible and timely payment record, and I believe these inaccuracies and violations are entirely unjustified and damaging to my financial reputation. I kindly request that you take immediate action to rectify these issues and ensure that my credit information is accurately reported in compliance with the FCRA. 

In light of the above circumstances, I expect the following actions to be taken promptly : An investigation into the unauthorized disclosure of my account information, as well as the subsequent furnishing of my account details without my written consent. 
Correction of my credit report to reflect accurate and timely payment records, eliminating any unjustified late payment remarks. 
Written confirmation from XXXX XXXXXXXX XXXX  detailing the actions taken to resolve these matters, as well as assurances that such violations will not occur in the future. 
I trust that XXXX XXXX XXXX will handle this matter with the utmost urgency and professionalism. Failure to address these concerns adequately within a reasonable time frame will leave me no choice but to escalate this complaint to the appropriate regulatory authorities and seek legal remedies available to me under the FCRA. 

I sincerely hope that we can resolve this matter amicably and restore the integrity of my credit report. I appreciate your immediate attention to this complaint and look forward to a swift resolution. 

Thank you for your cooperation. 

Yours faithfully, [ XXXX XXXX ] [ XXXX XXXX

Company response to consumer: Closed with explanation