Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to file a complaint against XXXX, Experian, XXXX for violating the Fair Credit Reporting Act ( FCRA ). I believe that inaccurate information is being reported on my credit report and I am requesting that this information be removed in accordance with the FCRA laws. 

I have recently reviewed my credit report from XXXX, Experian, XXXX and have discovered that there are several late payments listed that I believe to be inaccurate. The account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed to change the payment due date over the phone and never did so, resulting in an error.They agreed to remove the late payment. 

XXXX XXXX also needs to be removed as this reporting is unlawful. 

According to Section 609 of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score. 

Furthermore, Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section XXXX of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 

I have disputed these late payments with XXXX, Experian, and XXXXXXXX but to date, no action has been taken to correct the inaccuracies on my credit report. XXXX and the CRA 's have illegally altered the information several times, even adding more late payments. I believe that XXXX, ExperianXXXX and XXXXXXXX have failed to comply with their obligations under the FCRA, specifically under the following sections of the FCRA : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports. 
623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

I demand that XXXX, Experian, and XXXX take immediate action to remove the inaccurate late payments from my credit report and to comply with their obligations under the FCRA. If XXXX, Experian, and XXXXXXXX fail to comply with this demand, I will have no choice but to consider my legal options, which may include filing a lawsuit to seek damages, statutory damages, and attorney 's fees for FCRA violations. 

As the 3 bureaus have not done a lawful job of investigating, I need these accounts removed. 

This unauthorized reporting has caused great pain in my life. 

Thank you for your time and attention to this matter. I look forward to your response and resolution to this issue.