Consumer complaint received 2025-04-05 00:00:00
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.
State: PR

Complaint narrative:
I recently reviewed my XX/XX/XXXX Consumer Report and I discovered that EXPERIAN is reporting a Line Item as Voluntary Surrender on my Consumer Report that has surpassed the seven ( 7 ) year reporting statute according to 15 US CODE 1681c ( a ) ( 5 ) ( c ) ( 1 ) and is also in violation of 15 US CODE 1681e. EXPERIAN is also reporting Line Items that are EXCLUSIONS on my Consumer Report according to 15 US CODE 1681a ( 2 ) ( i ). Line items depicting Potential Adverse Action, Not More Than Two Payments Past Due, Worst Delinquency and as Older Derogatory as my Transactions or Experiences.

Such reporting on my consumer report is and has been injurious to me by your company EXPERIAN. It is my right to pursue and collect damages up to {$1000.00} from your company ( EXPERIAN ) for its wilful non-compliance according to 15 US CODE 1681n Civil Liability for Willful Noncompliance. This abuse by your company of my consumer report will no longer be tolerated as I am fully prepared to follow through by appearance or through legal representation to collect {$1000.00} in damages if not more.

( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Clearly, under the law a late payment is considered a Transaction and should not have been added to my consumer report. 

Here are the accounts by name and account number XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 90 DAY PAST DUE ; XX/XX/XXXX, 60 DAY PAST DUE ; XX/XX/XXXX, 90 DAY PAST DUE ; XX/XX/XXXX, 60 DAY PAST DUE ; XX/XX/XXXX, 90 DAY PAST DUE ; XX/XX/XXXX, 120 DAY PAST DUEXXXX XX/XX/XXXX, XX/XX/XXXX 180 DAY PAST DUEXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 180 DAY PAST DUEXXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 180 DAY PAST DUE.XXXX XX/XX/XXXX 180 DAY PAST DUEXXXXXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX VOLUNTARY SURRENDER I am demanding the following Line Items that are EXCLUSIONS listed above as Accounts with Negative Information, Past Due, Potential Adverse Action, Not More Than Two Payments Past Due, Worst Delinquency and as Older Derogatory section be removed immediately from my EXPERIAN Consumer Report. The laws supporting my demands are listed below are as follows : 15 US CODE 1681c - Requirements relating to information contained in consumer reports 15 US CODE 1681e - Compliance procedures 15 US CODE 1681a - Definitions ; rules of construction Section 2 - Exclusions subsection A subsection in - reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 US CODE 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 US CODE 1681b - Permissible purposes of consumer reports Under 15 US 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 ( 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 ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me.

Send an updated copy of my consumer report once the item disputed has been removed. I appreciate your immediate response and attention to this matter and corrected service of my Consumer Report.

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