Consumer complaint received 2024-12-22 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: NV

Complaint narrative:
I am writing to request the deletion of inaccurate, re-inserted, and fraudulent late payments present on my consumer credit report and to bring to your attention the failure of XXXX XXXX  to provide the necessary proof of the accuracy of the alleged late payments within the stipulated time frame of 30 days. I have previously sent certified dispute letters to these companies to rectify my credit report 's inaccuracies and ensure compliance with the FCRA. Still, this company has yet to respond to me with verifiable documentary proof of the accuracy of these late payments. Thirty days went by I received nothing from this company and these late payments were reinserted with no permissible purpose and without my consent. 

As outlined in the FCRA, failure to provide documented and verifiable proof within the specified time frame obligates the removal of unverified, invalid, derogatory information from my consumer report. Despite the receipt of my dispute letter and the lapse of 30 days, XXXX XXXX  has not provided the requested proof nor rectified the inaccuracies in the reported information. They didnt respond to me at all and therefore by law, I'm demanding the deletion of these late payments on my credit report immediately. 

XXXX XXXX  claimed to have completed a reasonable investigation with the furnisher of information and verified the late payments listed below as reporting 100 % accurately. However, these late payments are still inaccurate and are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history. XXXX XXXX  did not remove the inaccurate late payments furnished on my consumer file, and I have never given my consent to re-insert or furnish these late payments. No consent is Identity Theft. 

I formally request XXXX and EXPERIAN to update these late payments to paid on time never late on my credit report, as per the provisions of the FCRA. The failure of these companies to validate the inaccuracies within the statutory timeframe signifies their non-compliance with federal regulations and warrants the removal of the disputed accounts.

Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY!

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other : By the written instructions of the consumer to whom it relates.

15 U.S.C 1666b ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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