Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 U.S. Code 1681e ( b ) Accuracy of report Compliance procedures XXXX  Account Number : XXXX Please remove it from my credit report.

2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. This account was PAID and AGREED. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S code 1692 ( g ) validation of debt XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Account was paid XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Account was paid XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Account was paid XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please UPDATE this late payment in my Credit Report. 
XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, 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