Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: MA
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:
I have contacted the bureau 's and credits on numerous occasions in regards to a late payment on my account. 

XXXX XXXX XXXX Date : XXXX XXXX I have sent out dispute letters and goodwill letters as well. The bureaus respond to me saying " the information on your account has reporting correctly it was investigated and proved as accurate ''. I went through reinvestigation after reinvestigation trying to resolve this matter and still nothing has changed. MY PAYMENT HISTORY IS NOT SUPPOSED TO BE ON MY CREDIT FILE THE CREDIT BUREUAS ARE BREAKING THE LAW AND REPORTING INFORMATION THAT SHOULDNT BE THERE! 

Under the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; late payment is considered a transactions and according to the law transactions are supposed to be excluded from my consumer report. I am prepared to take any legal actions if my demands are not met. 

I would like the following late payment to be reversed to " ok ''. 

XXXX XXXX XXXX Date XXXX XXXX XXXX Here is a the dispute letter that was sent out for this issue : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, as well as my reports from the other bureaus. I noticed some of the account information is inaccurate and inconsistent among the bureaus. 
XXXX XXXX XXXX I have underlined all of the inaccurate and inconsistent information on my 3 bureau credit report. These should all read the same information but they are not. There are even 30 day late payments on my report even though those are illegally added on a consumer report. 
Under the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are considered a transaction, the law clearly says that they are excluded from a consumer report. If they are excluded from the report then why did you break the law and post them on my report? I have circled the late payment dates for this XXXX XXXX  account. The 3  credit bureau report below shows the dates of the late payments that should be reversed to ok. 
My payment status is illegal to report on credit reports unless I give you written permission to write such things on my report. I did not give you any permission to report this information on my account so why did you report it there. 
Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
You are breaking two laws for this. 
Reverse the above late payment to ok from my consumer report, this agency is in violation of 15 USC 1681a ( 2 ) ( a ) ( i ) and 15 USC 1681b.

Failure to comply satisfactorily with the reversal of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX Negligent Enablement of Identity Fraud XXXX Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I am prepared to take any necessary legal actions if demands are not met. Reverse the late payments for XXXX  XXXX account number XXXX to the status ok. 

Best regards,

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