Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Request to Remove Late Payments from Credit Report Pursuant to Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health and high spirits. I am writing to formally request your assistance in addressing a matter related to my credit report, specifically regarding the removal of late payments as per the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under Section 603, 15 U.S.C. 1681a. 

In accordance with the FCRA, a " consumer report '' is defined as any communication of information by a consumer reporting agency that pertains to a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. This information is used or expected to be used, in whole or in part, to determine eligibility for credit, insurance primarily for personal, family, or household purposes ( sub-section A ), employment purposes ( sub-section B ), or any other purpose authorized under section 604 ( 1681b ) ( sub-section C ). 

I believe that my situation falls within the purview of the FCRA, specifically sub-section A, as the late payments on my credit report have had a significant impact on my ability to obtain credit for personal and household purposes. Therefore, I kindly request that you review my case and facilitate the removal of the late payments from my credit report, in compliance with the FCRA. 

The late payments in question are in relation to accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, and are reflected on my credit report with the following details : Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 



Account Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 



Account Name : XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 



Account Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 



I understand that the FCRA places an obligation on consumer reporting agencies to ensure the accuracy and fairness of the information contained in consumer reports. I believe that the late payments on my credit report are inaccurate and unfairly represent my credit history. As such, I kindly request that you investigate this matter and take the necessary steps to correct this error. 



To assist in your investigation, I have attached copies of documents that support my claim, including any evidence of erroneous late payments and any correspondence with the creditor regarding this issue. 



I would like to thank you in advance for your prompt attention to this matter and for ensuring the protection of consumers ' rights under the Fair Credit Reporting Act. If you require any further information or documentation from me, please do not hesitate to contact me at the address, email, or phone number provided above. 



Sincerely, XXXX 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