Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing to formally dispute several items on my credit report that are inaccurate and have been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1666b it is a billing error. I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bringing the sum of all charges so I can not be penalized for something that is already paid in full. 

15 USC 1666b ( 4 ) ( 5 ) - The companys failure to provide statement within 21 days is a violation, please remove late payment ; statement shows positive balance instead of negative which is a billing error and therefore no payment was due ( how can I pay on a positive balance ) Pursuant to 15 USC 1681eb this account is in violation of maximum possible accuracy and 15 USC 1666b for violation of billing error Late payments : 1681i. Procedure in case of disputed accuracy 1681e - Compliance procedures 1692g ( b ) Disputed debts - Validation of debts I require access to all bank transactions and statements associated with this company in order to provide evidence that my payments were not received on time. Alternatively, you must promptly reverse these unverified late payments and mark them as OK. 

These accounts below are inaccurate please delete or pay fine of {$1000.00} per violation Instruction : Please remove inaccurate late payment. Update account to paid as agreed. 
I was never late, update this account to paid as agreed. 

I was not 90 days late on : XXXX XXXX Please update I was not 60 days late on this item XXXX  XXXX Please update I was not 30 days late on this item XXXX  XXXX Please update The following items needs to be removed immediately these accounts below are inaccurate please delete or pay fine of {$1000.00} per violation XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Civil liability for negligent noncompliance XXXX. Civil liability for willful noncompliance This account is closed with a paid balance. This is falsely reported. Please delete as I have taken steps for litigation : XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.