Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX : XX/XX/XXXX Last 4 SSN : XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I am writing because the following inaccurate information that appears on my XXXX report is still there as of XX/XX/XXXX. My report shows late payments, I previously disputed those inaccuracies these accounts. I don't agree with the results of your investigation and was never provided processed used in determining the validity of their findings. This damaging information is hurting my good credit. In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRCA requires that promptly updated all negative information that is inaccurate, incomplete, or which can not be verified, XXXX XXXX Credit Card # XXXX, XXXX Account # XXXX, XXXX  XXXX XXXX # XXXX has violated my rights. I am demand that these accounts be updated to reflect Paid As Agreed Never Late ( PAANL ).

Article 15 U.S. Code 1681 Section 602 states I have to privacy.

Article 15 U.S. Code 1681 Section 604A Section 2 states can not furnish my account without my written instruction.

Article 15 U.S. Code 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. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2000.00}. Late payments showing : XX/XX/XXXX ( 30 Day Late ) XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. Late payments showing : XX/XX/XXXX ( 30 Day Late ), XX/XX/XXXX ( 30 Day Late ), XX/XX/XXXX ( 30 Day Late ) XX/XX/XXXX ( 30 Day Late ) XXXX XXXX XXXXXXXX real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Late payments showing : XX/XX/XXXX ( 30 Day Late ) Im sure you are aware I am lawfully within my consumer and civil rights to ask that the above demands under the ( FCRA ). The above derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, or not proven to regulatory federal reporting laws and standards and MUST be updated to reflect Paid As Agreed Never Late ( PAANL ). I request that you provide me proof of your investigation, a detailed description of all procedures and steps used in your process to determine complete accuracy of the information you reported. Please mail me the proof of your investigation, the detailed process used in determining the validity of the information reported, as well as, proof that you have not violated any of these U.S. Codes. If you can not provide evidence you did not violate these U.S. Codes or lacking proof of you detailed process in determining accuracy of the inaccurate information, then I demand you delete any negative information in these accounts immediately and update payment history to reflect Paid As Agreed Never Late ( PAANL ). If you did violate these U.S. Codes please delete any negative information in these accounts immediately and update payment history to reflect Paid As Agreed Never Late ( PAANL ). 

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