Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX  XXXX Account Number 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 purpose. 

Dear Sir/Madam, I am writing to inform you about a serious error in my credit report, specifically regarding my account with XXXX. As a consumer, I believe my rights under the Fair Credit Reporting Act have been violated, as outlined in 15 USC 1681 section 6 subsections 2 and 4 ( a ) ( 2 ). I request an immediate correction of this issue to prevent further damage to my creditworthiness. In recent communications with XXXX, they have acknowledged that they were at fault for the negative impact on my credit. They admitted that I was up-to-date on all my payments, with no late remarks or outstanding balance. I have attached the relevant statements as evidence to support my claim. However, despite their admission, my credit report still reflects a significant negative impact, resulting in a decrease of my XXXX XXXX by XXXX points. This inaccurate reporting has severely affected my ability to secure financing, specifically for purchasing a home. The discrepancy in XXXX 's reporting began on XX/XX/XXXX, when I received an email notification stating that my account was overdue by 105 days, with an alleged amount of {$670.00} owed. This sudden change in status is perplexing, as none of the monthly statements provided by XXXX prior to that date indicated any pending dues or late payments. I promptly contacted XXXX and presented them with my bank statements, which clearly showed that I had not missed any payments. Their response was that I had not paid them enough money back in XX/XX/XXXX, which they neglected to inform me about until almost a year later. Furthermore, instead of rectifying the situation in a transparent manner, XXXX marked up my credit report with false information, erroneously stating that I was over 120 days past due. As a result, I was charged interest and forced to pay over {$900.00} to correct their mistake. Despite their assurance that they would rectify the error, my XXXX XXXX has yet to reflect the necessary corrections, severely hampering my chances of obtaining a mortgage. I emphasize that this misinformation has had a significant impact on my daily life and financial well-being. While XXXX stated they would remove those " XXXX XXXX '' remarks, they have yet to do so. The only resolution I received from the company from a credited amount of {$300.00}. Which in no way fixes the amount of time I took to write all of these complaints to get this corrected. Or the stress of life under a ( negative XXXX point drop in my credit ) XXXX alone took me from the XXXX range to the XXXX range. And I didn't even make the mistake, XXXX did. I am trying to purchase a home and have been for years, there XXXX days past due is not accurate and is ruining my future. This needs a resolution. If the necessary corrections are not made to my credit report promptly, I will be left with no choice but to seek legal representation to protect my rights. I kindly request that you take immediate action to investigate this matter thoroughly and correct the inaccuracies on my credit report. I believe it is in the best interest of both parties involved to resolve this issue amicably and avoid any potential legal proceedings. Thank you. I look forward to a swift resolution. Sincerely, XXXX XXXX.

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