Consumer complaint received 2025-04-15 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:
This is a FINAL NOTIFICATION to your company EXPERIAN regarding your Wilful Non Compliance in accordance with 15 US CODE 1681n Civil Liability for Non Compliance by continuing reporting a Line Item as LATE PAYMENTS, and showing in Details, Payments, and 24 Month Payment history on my Consumer Report. EXPERIAN is also reporting the Line Items that are EXCLUDED on my Consumer Report according to 15 US CODE 1681a ( 2 ) ( A ) 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. Line items reporting as my Transactions or Experiences are excluded by law. 

Your company EXPERIAN continues to wilfully ignore my demands under the law and my rights as a consumer. If this wilful noncompliance of your company EXPERIAN continues I will exercise 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. Therefore, legal documents with an affidavit pursuing damages will be sent to your company EXPERIAN immediately and forwarded to the CFPB and FTC. 

( 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 30 DAYS PAST DUE ; XX/XX/XXXX, XXXX DAYS XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, Account 30 days past due date XXXX times I am demanding the following Line Items listed above as Details, Payments, and 24 Month Payment history Not More Than Two Payments Past Due, Worst Delinquency and in its Older Derogatory section be removed immediately from my EXPERIAN Consumer Report. The laws fully supporting my demands are listed below as follows : 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 usc 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 U.S. Code 1681b - Permissible purposes of consumer reports Under 15 usc 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 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