Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: NC
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:
To whom it may concern, I have been in contact with XXXX for about 60 days trying to get an account my name on it in order. I received notice that the account was DELETED after speaking with a man named XXXX via voicemail on XX/XX/2023 citing that the closed account showing on all credit files as it did NOT meet Metro 2 Compliance Standards. The XXXX  and XXXX  accounts were CLOSED and to this day are still showing LATE payments damaging my livelihood AND character. Having late payments on a closed account is impossible as they should NOT be reported on any credit file according to the U.S. congress and consumer law.

To this day the amount I allegedly owe to this company is still being reported incorrectly!

According to 15 usc 1681a ( 2 ) ( 1 ), ( 2 ) Exclusions. The term consumer report does not include ( A ) any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer ( me ) and the person making the report ( all the credit bureaus ) ( TRANSACTIONS ARE PAYMENTS OR THE LACK THEREOF ) '' WHICH MEANS THERE SHOULDNT BE REPORTING ANY PAYMENTS OR NON PAYMENT OF ANY CONSUMER. THIS IS TO BE REMOVED IMMEDIATELY AS THEY ARE INFRINGING ON MY CONSUMER RIGHTS. 

Not only has this damaged my credit score but you all have also exposed my personal information without my consent to the credit bureaus.

IN ADDITION to the late payments - 15 U.S. Code 6802 ( a ) ( b ) ( 1 ) " A financial institution may not, directly or through any affiliate, disclose to a NON AFFILIATED third party ( The CREDIT BUREAU ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and CONSPICUOUSLY discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The only disclosures I, the CONSUMER had ever received was for receiving notice for emails and promotions. I was NEVER given the opportunity to OPT-OUT of reporting my information to anyone. XXXX has infringed on two of my many rights.

They have already sent two letters to me validating the so-called debt. I do not owe the debt that is being reported on my credit file. I am the consumer in this situation, and they do not have permission to to continue to report this erroneous information on my credit file. This is egregious. I have demanded that they cease and desist reporting of the late payments and delete the account as a whole. 


This needs to be deleted from all of my credit profiles!

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