Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I kindly request the Consumer Financial Protection Bureau to investigate and correct the inaccuracies in my credit report. I am seeking a prompt resolution to ensure that my credit history accurately reflects my financial responsibility. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX. XXXX XXXX XXXX AND XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX l HAVE NEVER BEEN LATE ON THIS ACCOUNT AND YOU HAVE ME LISTED AS 30 DAYS LATE ON MY CONSUMER REPORT. I DEMAND ALL ALLEGED LATE PAYMENTS BE DELETED FROM MY CONSUMER REPORT YOU ARE VIOLATING MY RIGHTS AND THESE TRANSACTIONS AND EXPERIENCES CAN NOT BE REPORTED THIS IS A CLEAR VIOLATION OF MY RIGHTS AND I WOULD LIKE ALL LATE PAYMENTS ON MY CONSUMER REPORT DELETED IMMEDIATELY. IT IS HINDERING MY CHARACTER AS A CONSUMER. per us 15 1666B a creditor may not treat a payment on a credit card as an open-ended consumer credit plan and per 15 usc 1681 ( 2 ) ( a ) i ) ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 91681 ( 2 ) ( a ) i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT MY WRITTEN CONSENT 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE THESE ACCOUNTS LISTED ARE IN VIOLATION ON MY RIGHTS. VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) in general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. ( b ) Civil liability for knowing noncompliance Failure to respond satisfactorily with deletion, of the above referenced account, and send out a free coly of my report after the changes have been made will result in legal actions being taken against companies listing inaccurate information, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. Please help me I have studied these laws in the fcra and I just want justice for my consumer report. 
XXXX XXXX