Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello. I'm submitting this complaint in regards to my open account with XXXX furniture. This company has multiple violations under consumer rights and the CARES act. I have been with this company for over 2 years and paying as agreed. I have three late payments and question starting with allegedly, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did contact the company 's customer service phone number and spoke to two representatives so far within the past two weeks. I was advised to send my complaint to their upper management and I will also include these emails in this complaint. I asked if they could remove the late payment status from all three credit bureaus Experian, XXXX, and XXXX. I also noticed on my credit reports that they have not reported my payments for the correct months and they have different and inaccurate months marked as late 30 days. Also I will include this in my complaint if requested from the CFPB. As of XX/XX/XXXX, I have had back and forth conversation through email to the upper management requesting this accommodation because I am still within my rights under the CARES act, that any delinquencies can not be reported until 120 days after the end of the pandemic stated from Congress. As of today Congress has not given any end date to the pandemic. These payments were listed on my credit reports 30 days past due against my consumer rights under the cares act. Also under congressional law 15 USC 1681 a2 subsection I, Congress clearly states reports containing transactions or experiences negatively will not be included on a consumer report. Also 15 USC 1681b under permissible purpose of consumer reports, line a states, in general rule credit reporting agency 's may furnish a consumer report under the following circumstances and no other : line two states in accordance with the written instructions of the consumer to whom it relates. I have not given any written instruction to the company XXXX 's furniture to furnish any delinquencies on my credit profile. XXXX 's furniture also in the emails asked me for one of the three credit reports available from the national credit reporting agencies. I openly furnish them my Experian credit report. I also feel that they are in violation of 15 USC 1681A under adverse action. Ki and ii states, made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title; and ( II ) adverse to the interests of the consumer. I only believe that the decision to not remove the late payment status on all three credit bureaus was made with adverse action in regards to the review of my Experian credit report. I do believe that this decision was made because of my consumer report and not because of the relationship I have built with XXXX 's furniture with positive payment history over two and a half years. I would also like to seek monetary damages for each violation that has occurred, and been proven. Once again I do have written proof of all things contained in this dispute example bank statements of all dates listed past due on my credit reports and inaccuracies listed on all credit reports furnished from XXXX 's furniture. Thank you.

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