Consumer complaint received 2025-02-23 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: MO

Complaint narrative:
XXXX XXXX XXXX violated my consumer rights, and I am trying to get them to fix the matter. Subject : Formal Request to Remove Closed Account Due to Legal Violations Dear Credit Bureau I am writing to formally request that you remove the reporting of a closed account associated with XXXX XXXX XXXX XXXX XXXX from my credit report. The reporting of this account violates multiple federal laws, as detailed below : Violation of 15 U.S.C. 6802 ( XXXX XXXX ) Under this law, financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without providing a clear, conspicuous notice and an opportunity to opt out. I was never provided such notice, nor did I authorize XXXXXXXX XXXX XXXX to share my personal information with your credit bureau. As such, I now exercise my right to opt out and demand the immediate cessation of reporting this account.

Violation of the Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

Regulation Z ( 12 C.F.R. 1026.2 ), which implements TILA, requires creditors to notify consumers before taking adverse actions, such as account closure. I was never provided with such a notice before my account was closed. If they claim that they provided me with such a nottice then they need to provide me with the tracking number for the letter showing that such a notice was delivered to me and if they can not produce such document then they need to delete this account and late payment off my credit report and this is what the law says.

Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 
If the closure of my account was based on information in my credit report, XXXX XXXXXXXX XXXX was required under 15 U.S.C. 1681m ( a ) to notify me. No such notification was provided. 
Violation of the Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 et seq.

This law mandates that creditors provide written notice with an explanation for any adverse action, including account closure due to creditworthiness concerns ( 15 U.S.C. 1691 ( d ) ( 2 ) ). I did not receive any such explanation.

Violation of the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) 15 U.S.C. 1665c This law requires creditors to provide at least 45 days ' notice before making significant changes to a credit account. My account was closed without any prior notification. 
Given these multiple violations, I demand that this Credit Bureau immediately cease reporting this closed account on my credit report. Failure to comply with this request will result in further legal action, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Please confirm in writing within 30 days that this account has been removed from my credit report. I appreciate your prompt attention to this matter. 
I am writing to formally dispute the late payment reporting on my credit profile for my account with XXXX XXXX XXXX. The reported late payments are inaccurate and should be updated to reflect " Paid as Agreed '' due to multiple violations of federal consumer protection laws. 
XXXX XXXXXXXX XXXX has violated my rights under 15 U.S.C. 1666b, which states that a creditor may not treat a payment on a credit card account as late unless it has adopted reasonable procedures to ensure that periodic statements are delivered at least 21 days before the payment due date. I never received such a statement from XXXX XXXXXXXX XXXX. If they claim otherwise, they must provide verifiable proof, including a tracking number, showing that the statement was actually delivered to me. Failure to do so renders the late payment reporting invalid and in violation of federal law. 
Additionally, my rights under 15 U.S.C. 6802 have been violated, which prohibits financial institutions from disclosing consumer financial information without explicit consent. I never provided XXXX XXXX XXXX with permission to report my account information to any credit bureau, and I am exercising my right to opt out of such reporting. I formally request that this information be removed from my credit file immediately. 
Furthermore, under 15 U.S.C. 1681s-2 ( 7 ), before furnishing negative information to a consumer reporting agency, the financial institution must provide a written notice to the consumer either before or within 30 days of reporting the negative information. I was never notified in writing of this negative information. If XXXX XXXXXXXX XXXX claims they provided such a notice, they must produce verifiable proof, including a tracking number. If they can not do so, the late payment must be removed from my credit report as required by law. 
In light of these violations, I demand that my account status be updated to reflect Paid as Agreed or be removed entirely from my credit report. Failure to do so will leave me with no choice but to pursue legal action against both XXXX XXXXXXXX XXXX and [ Credit Bureau Name ] for non-compliance with federal consumer protection laws. 
I have attached copies of the relevant federal statutes, including : 15 U.S.C. 1666b Timely delivery of periodic statements 15 U.S.C. 6802 Consumer financial privacy rights 15 U.S.C. 1681s-2 ( 7 ) Notice requirements for negative credit reporting Please investigate this matter and respond in writing within 30 days, as required by the Fair Credit Reporting Act. 
Payment on this account was never late.

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