Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XX/XX/XXXX XXXX Greetings to whom it may concern, Dispute 1 Late Payments Please see attached all documentation.

Please look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of my credit report and inaccurate information on my account. This information is wrong and needs to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed.

Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.

Thanks in Advance 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during COVID19 pandemic ( I ) Definitions in this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( XXXX ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 
( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 



Experian : Please investigate and mark paid as agreed. 

XXXX XXXX XXXX XXXX : XXXX 30 days late XXXX : XXXX 60 days late XXXX : XXXX 90 days late XXXX : XXXX  120 days late XXXX : XXXX 150 days late XXXX : XXXX 150 days late XXXX : XXXX 150 days late XXXX : XXXX  150 days late XXXX  : XXXX XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX XXXX 30 days late XXXX XXXX XXXX : XXXX 30 days late XXXX : XXXXXXXX XXXX XXXX XXXX 30 days late XXXX XXXX 30 days late XXXX XXXX XXXX : XXXX XXXX XXXX  30 days XXXX XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX : Please investigate and mark paid as agreed. 
XXXX : Account # XXXX XXXX XXXX  XXXX XXXX XXXX  30 days late XXXX : XXXX 30 days late XXXX  : XXXX XXXX XXXX 30 days late XXXX XXXX  30 days late XXXX XXXX  60 days late XXXXXXXX XXXX  30 days late XXXX XXXX XXXX : XXXX  30 days late XXXX XXXX : XXXXXXXX XXXX  XXXX : XXXX 30 days late XXXX : XXXX 60 days late XXXX : XXXX  60 days late XXXX : XXXX XXXX : XXXX  90 days late XXXX : XXXX XXXX : XXXX 90 days late XXXX : XXXXXXXX XXXX XXXX : XXXX 90 days late XXXX  : XXXX XXXX XXXXXXXX XXXX  30 days late XXXX XXXX 30 days late XXXX XXXX XXXX : XXXX XXXX XXXX  30 days late XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX : Please mark as Paid as agreed. 

XXXX : XXXX XXXX : XXXX XXXX  30 days late XXXX XXXX 60 days late XXXX XXXX 30 days late XXXX XXXX XXXX XXXX XXXX 30 days late XXXX : XXXXXXXX XXXX  XXXX XXXX 30 days late XXXX XXXX  30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX  30 days XXXX XXXX XXXXr 30 days late XXXX XXXX  60 days late XXXX XXXX 30 days late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation