Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I Had To Send XXXX letters to this company because they have different information on all my credit reports! Furthermore I was never late. 

XXXX XXXX Report : Experian Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my Experian credit report, and I noticed some transactions posted on my credit report that are excluded by federal laws from my consumer reports : XXXX XXXX XXXX Your company is in violation of the FCRA and Metro2 Compliance for reporting these transactions.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On the dates of XX/XX/XXXX and XX/XX/XXXX, you reported transactions from Acct # : XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report should not be included in consumer reports. Yet, you are reporting this information to my consumer reports.

The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of Metro2 compliance. I request that you provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 



I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX deleted from my consumer reports effective immediately. Please note that I am not requesting validation or verification, so do not respond with such requests.

Furthermore, 15 USC 1666b ( a ) states : ( a ) TIME TO MAKE PAYMENTS A creditor
may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I insist that the above transactions be promptly deleted from my consumer reports. 



Best regards, XXXX XXXX Enclosed : Copy of ID and Utility Bill showing proof of address XXXX XXXX Report : XXXX Date : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some transactions posted on my credit report that are excluded by federal laws from my consumer reports : COMMUNITY LOAN SERVICI, Your company is in violation of the FCRA and Metro2 Compliance for reporting these transactions.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On the dates of XX/XX/XXXX and XX/XX/XXXX, you reported transactions from Acct # : XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report should not be included in consumer reports. Yet, you are reporting this information to my consumer reports.

The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of Metro2 compliance. I request that you provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 



I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX deleted from my consumer reports effective immediately. Please note that I am not requesting validation or verification, so do not respond with such requests.

Furthermore, 15 USC 1666b ( a ) states : ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 



I insist that the above transactions be promptly deleted from my consumer reports. 



Best regards, XXXX XXXX Enclosed : Copy of ID and Utility Bill showing proof of address XXXX XXXX Report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some transactions posted on my credit report that are excluded by federal laws from my consumer reports : XXXX XXXX XXXX, Your company is in violation of the FCRA and Metro2 Compliance for reporting these transactions.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On the dates of XX/XX/XXXX, you reported transactions from Acct # : XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report should not be included in consumer reports. Yet, you are reporting this information to my consumer reports.

The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of Metro2 compliance. I request that you provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 



I need the transactions reported on XX/XX/XXXX deleted from my consumer reports effective immediately. Please note that I am not requesting validation or verification, so do not respond with such requests. 



Furthermore, 15 USC 1666b ( a ) states : ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 



I insist that the above transactions be promptly deleted from my consumer reports. 



Best regards, XXXX XXXX Enclosed : Copy of ID and Utility Bill showing proof of address

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