Consumer complaint received 2024-04-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX XXXX : XX/XX/XXXX SSN : XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL 2nd Notice To Whom It May Concern : This is my last time writing you about late payments on my credit report. I am trying to resolve this amicably before filing litigation against your company for your inaccurate erroneous reporting. 

I recently received a copy of my consumer report, and I noticed you are reporting my transactions and experiences specifically a late payment that you have posted on my consumer report : XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XX/XX/XXXX ( Enclosed and Attached ) XX/XX/XXXX is reporting only late on Experian and XXXX but on time to XXXX. How can that be? This is a direct violate and result of inaccurate reporting and needs to be removed. 

Update this account to paid as agreed never late Your company is in clear violation of the law. Pursuant 15 USC 6802 ( b ) - A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXXXXXX XXXX Making the report is NOT INCLUDED on my Consumer report! A Late payment is a transactional history, My HISTORY with that company. CONGRESS clearly states that the reporting of Transactionsor experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

Consumer law you violated according to congress and the FCRA : You have XXXX calendar days to update my Transaction/Payment history and DELETE all late payments from the below account XXXX XXXX XXXXXXXX Account XXXX : XXXX, XXXX XX/XX/XXXX You are hereby PUT ON NOTICE that the reporting of my transactions or experiences with Bank ofAmerica to the consumer reporting agencies is a DIRECT VIOLATION of the Fair Credit Reporting Act 15 USC 1681a 2 Ai, 15 USC 6802 ( b ) and this constitutes to inaccurate reporting.

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.

You have caused me and my family severe harm due to your negligence and inaccurate reporting.

This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.

Failure to respond satisfactorily with deletion of the above Transaction/Late Payments, will result in legal actions being taken against your company, for which I will also be seeking Actual Damages as a result of your failure to comply with the law and the sections of the Fair Credit Reporting Act for the following violations : 1. Any Actual Damages 2. Defamation of Character 3. Negligent Non Compliance 4. Civil Liability 5. Mental Anguish 6. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 15 USC 6802 ( b ) 15 USC 1681a 2 ( A ) ( i ) Thank you XXXX XXXX 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