Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

To Whom It May Concern : I have recently obtained copies of my Experian, XXXX, and XXXX consumer  reports, and I have observed that XXXX XXXX is reporting erroneous information regarding my transactions and experiences, specifically a late payment recorded on my consumer report for the months of XXXX and XX/XX/year>. 

Your company 's actions are in direct violation of the law outlined in 15 USC 1681a 2 ( A ) ( i ), which excludes from consumer reports any reports containing information solely pertaining to transactions or experiences between the consumer and the reporting entity. 

It is imperative to emphasize that transactions between myself, the consumer, and XXXX XXXX the reporting entity, are expressly excluded from my consumer report, as stipulated by Congress. A late payment constitutes a part of my transactional history, which Congress has explicitly mandated to be excluded from consumer reports. 

By reporting this transactional information on my consumer report, XXXX XXXX is in breach of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a 2Ai. You are hereby given a period of 15 calendar days to rectify my transaction/payment history and remove all instances of late payments associated with the following account : Account Number : XXXX You are formally notified that the reporting of my transactions or experiences to consumer reporting agencies constitutes a direct violation of the Fair Credit Reporting Act 15 USC 1681a 2Ai, resulting in inaccurate reporting. 

Moreover, in accordance with 15 USC 1681s2, furnishers of information to consumer reporting agencies have a duty to provide accurate information. Under this provision : You are prohibited from reporting information with actual knowledge of errors. As I have not received any notification from the creditor regarding late payments, I demand concrete evidence from the creditor 's bank account proving the occurrence of late payments, as this appears to be a billing error. 
You are prohibited from reporting information after notice and confirmation of errors. I have notified you of the inaccuracies in the information you have reported, and thus, you are obligated to rectify these inaccuracies. 
In conclusion, I have provided sufficient evidence to demonstrate that you are reporting inaccurate information, and you are now on notice regarding this matter. The continued reporting of this inaccurate information constitutes a clear violation of your responsibilities as a furnisher of information under the law. 

I demand that you promptly delete the erroneous account from my consumer report and refrain from sending any further correspondence unless it pertains to compliance with applicable laws and the deletion of the aforementioned transaction. 

You have a period of 10 calendar days from the receipt of this notice to effect the deletion of the transaction from my consumer report and provide confirmation of such deletion. 

Failure to comply with this demand will result in legal action, including arbitration. Please be aware that arbitration proceedings will result in substantial costs for your company, potentially totaling thousands of dollars. 

I will pursue remedies for the following violations under the Fair Credit Reporting Act : Actual Damages Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Willful Noncompliance Violations under Fair Credit Reporting Act 15 USC 1681