Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: CA
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:
I reviewed my Consumer Reports and noticed that I had several late payments on accounts where I was never late on. The 3 Consumer Reporting Agencies ( XXXX, Experian, XXXX ) have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

In accordance with the fair credit reporting act has violated my rights and with the FCRA, EVERYTHING must be 100 % accurate on my credit report. This inaccurate reporting has caused damage to my reputation, extended grief, great financial and emotional hardships to me and my family. 

My personal information is not accurate. The correct personal information should be listed as : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA, XXXX, Employer is XXXX, XXXX. 


15 U.S.C. 1681 section 602 A states, I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 

I have never been late on payments for the accounts : XXXX. XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX In accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 15 USC 1681 section 602 A. states that I have the right to privacy. 15 USC 1681 section 602 A section 2. Also, it states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 ( B ) : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Please investigate and provide Proof with statements showing that these payments were late, as well as the accuracy of the charge off accounts. If proof can not be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Also, Update the accounts to Paid on time and never late. Or remove it from my consumer report. 


Additionally, it is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C on the accounts. Listed below are the accounts in question : XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX # XXXX I demand that these inaccurate accounts be immediately deleted. 

Thank you.

Company response to consumer: Closed with explanation