Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
This is my third time writing this letter about these false late payments that are in violation of my rights, privacy and the law of 15usc and FCRA laws. This credit agency as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account number # XXXX are violation of several laws. Under 15USC & 1681b- permissible purpose of consumers reports, The Law clearly states ( b ) 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. I did not give these credit agencies permission nor any written instructions to furnish this information! This is a violation of 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) This agency has stated several times these late payments for this account are verified but by law they must show me the proof I've asked for several times by law how these were verified with the correct information by 15USC laws that are required, which they have not done so after being asked several times. Due to this company violating 15USC & 1692g which states : Any credit agency or company Must notify me in writing within 5 days prior before adding anything to my consumer report for me the consumer to validate, I was never notified, and this law was never followed by this credit agency. As the only original consumer ( creditor ), I only have the right to validate these late payments or any debt. The reporting of XXXX XXXX XXXX is in violation of 15 USC & 1681 and the Fair Credit Reporting Act ( FCRA ) 15USC1681 ( a ) ( 2 ) b ( 2 ) Exclusions except as provided in paragraph ( 3 ) the term " consumer report '' does not include- ( B ) Any Authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card similar device. Under the truth in lending act 15 USC & 1602g states that a " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This means my social security card and driver license are credit cards that were used for the extension of credit for this car loan ( auto credit card account ). XXXX XXXX XXXX, is in violation of the law by reporting false late payments by violating the law of 15 USC 1666b. This law 15USC1666b means the timing of payments, a payment can not be reported as a late payment as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement was sent to me the consumer or have been delivered to me, no later than 21 days before the payment due date. This never happened I was never mailed anything, nor have I received any periodic statements from the XXXX XXXX XXXX. Due to this credit agency stating these late payments are accurate this means this credit union has followed the law to verify these payments in which doing so by law they must send me the periodic statements they are received from XXXX XXXX XXXX used to verify they are reporting accurate information as well as the receipts from the green label certified mail that was by law supposed to be sent to me since the credit agency stated these are accurate by law that means they have this proof and must send it to me if they do not have these items for proof I received these letters of the periodic statement 21 days before my due date and receipts this means the late payments have not been verified and in order for something to be added to my report it must be investigated 100 % for accuracy ( Reasonable Procedures ) which the laws for this accuracy has not been met nor have I received the proof that the FCRA and 15USC 1666b requires me to receive from the credit agency and the XXXX XXXX XXXX XXXX XXXX. If I am not mailed this information within the 30 days from the date this letter is received which the law requires, I must obtain before anything is added to my report all these late payments attached to this XXXX XXXX XXXX account must be deleted immediately. After contacting XXXX XXXX XXXX once I noticed there was a recent false late payment added to my credit reports on XX/XX/XXXX as 30 days late on the month of XXXX report which is a red flag because it is against the law to report late payments to reports before the 30 day grace period, which this recent false late payment was posted on the XXXX which is not XXXX from the XXXX of the month to the last day ( XXXX ) and a total of ( 24 days total counting to next due date ) so this payment was reported 5 days before the 30 day grace period which has happened with all XXXX false late payments. How can I be 30 days late on XX/XX/XXXX but the month before it I was on time this is a violation of the law as well as a violation of the XXXX XXXX of XXXX. This company has violated my rights as far as defamation of character, Negligent enablement of identity, fair debt collections practices act, 15usc1692g, 15usc1681, 1681n, 1681 ( a ) ( 2 ) ( i ), violation for willful noncompliance & 616. Civil liability for willful noncompliance, 15usc1666b, 15usc1637.

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