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

Complaint narrative:
Subject : Dispute of Inaccurate/Unverifiable Late Payments I recently obtained my credit report from 3 major credit reporting agencies and I am writing to formally dispute several late payment entries on my credit report that are both inaccurate and unverifiable. Additionally, certain entries may have been improperly included in violation of 15 U.S. Code 1681a, which excludes transactions and experiences between a consumer and a creditor from being furnished in consumer reports.

The following accounts contain erroneous and unverifiable late payment entries : XXXX XXXX XXXX ( Account # XXXX ) : Reported late in XX/XX/XXXX. 
XXXX XXXX XXXX ( Account # XXXX ) : Reported late in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX ( Account # XXXX ) : Reported late in XX/XX/XXXX XXXX ( Account # XXXX ) : Reported late in XX/XX/XXXX and XX/XX/XXXX. 

Basis of My Dispute : Violation of 15 U.S. Code 1681a : Under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), transactions and experiences directly between a consumer and a creditor are excluded from consumer reports. Reporting late payments derived from these transactions without a legal basis violates this exclusion.

Failure to Comply with 15 U.S. Code 1666b : A creditor may only treat a payment as late if the creditor sent or delivered a periodic statement, including all required disclosures under 15 U.S. Code 1637 ( b ), at least 21 days before the payment due date. Without proof of compliance with these requirements, the late payment entries are inaccurate and should not have been furnished.

Unverifiable Information ( 15 U.S. Code 1681i ) : Under the FCRA, credit reporting agencies must ensure that all furnished information is accurate and verifiable. I demand that you obtain verification for these late payment entries from the furnishers. If the creditors can not provide evidence that these entries are accurate and legally compliant, they must be removed from my credit report. 

Requested Action : I respectfully request the following actions : Conduct a formal investigation into each of the disputed entries listed above.

Require the creditors to provide documentation verifying compliance with 15 U.S. Code 1666b and 15 U.S. Code 1637 ( b ), as well as evidence that the information furnished complies with 15 U.S. Code 1681a.

Remove any and all late payment entries that can not be verified or that violate federal law. 
Supporting Information : To assist in your investigation, I have included the following : A copy of my credit report with the disputed entries highlighted. 
A copy of my identification and proof of address for verification purposes. 
Under the FCRA, you are required to investigate and respond to my dispute within 30 days. If any of these entries can not be verified or are found to be inaccurate, I expect them to be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the appropriate corrections have been made. 

If I receive response like the information is accurate or verified without all supporting proof ( like tracking number that the information was delivered 21 day before the due date ) I will pursue legal charges against your company. I am applying for {$150000.00} loan for emergency purposes and if I will get denied for late payments that illegally were furnished on my report then my remedies at least the amount above will be heard in the court. 

Sincerely, XXXX XXXX

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