Consumer complaint received 2024-08-29
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. (CA)

Dear [ Experian, XXXX, XXXX ], I ( XXXX XXXX XXXX ) am writing to dispute the following information in my credit report. The item I am disputing is indicated on the attached copy of the report I received. This item is incorrect and is negatively affecting my credit score. 

Item to be disputed : - Creditor : [ XXXX XXXX SVCS ( XXXX Reporting Bad Payment ) ] - Account Number : [ XXXX ] - Description : BAD INACCURATE DEBT REPORTING - Violated Law : - 15 U.S. Code 1666b - Timing of payments - 15 U.S. Code 1692g - Validation of debts - 15 U.S. Code 1692c - Communication in connection with debt collection - Creditor : [ S M XXXX XXXX ( XXXX NEGATIVE REPORTINGS ) ] - Account Number : [ XXXX ] - Description : Late Payment Reporting - Violated Law:15 U.S. Code 1666b - Timing of payments - 15 U.S. Code 1692g - Validation of debts - 15 U.S. Code 1692c - Communication in connection with debt collection - Creditor : [ XXXX XXXX XXXX ( XXXX XXXX REPORTINGS ) ] - Account Number : [ XXXX ] - Description : Late Payment Reporting/ Reporting Bad Debt - Violated Law : - 15 U.S. Code 1692c - Communication in connection with debt collection - 15 U.S. Code 1692g - Validation of debts - 15 U.S. Code 1666b - Timing of payments According to the Fair Credit Reporting Act ( FCRA ), the information reported about my child support payments is inaccurate and should not be included in my credit report. Specifically, the [ Credit Bureau Name ] has reported late payments for my child support obligations, which I believe is a violation of consumer law. 

I have enclosed copies of [ describe any enclosed documents : child support payment records, court orders, etc. ] that support my position. Please reinvestigate this matter and remove the incorrect information from my credit report. 

Under the Fair Credit Reporting Act, you are required to investigate my dispute within 30 days of receipt of this letter. Please provide me with written confirmation that you have received this letter and inform me of the results of your investigation. 

15 U.S. Code 1666b - Timing of payments 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1692g - Validation of debts ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Section XXXX ( XXXX ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debtPHONE MAIL AND CREDIT REPORTING according to 15 USC 1692 e you have violated my rights by in lawful communications please remove this collection off of my credit report thank you Thank you for your prompt attention to this matter. I look forward to your response.