Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the reporting and billing practices associated with my auto loan with XXXX XXXX, account number XXXX. I have disputed this account for accuracy with the company and credit bureau XXXX XXXX this year with correspondence of dispute being XX/XX/XXXX, XX/XX/XXXX, and the latest being in XXXX of XXXX. This has caused me to feel oppressed with my correspondence with the company and the inaccuracies creating consent XXXX and anxiety on my credit report, according to the FDCPA section 806 ( 15 U.S.C. 1692d ). I have waited and went the waiting periods for a fair investigation and have not been granted it continuously since XXXX and now in XXXX. Now these inaccuracies will need to be immediately deleted. I have reviewed the recent statements and the way the payment history has been reported, and I believe there are several violations of the Fair Credit Billing Act, particularly 15 U.S. Code 1666b, which governs the timing of billing statements and related late payment reports.

Specifically, I am raising the following issues : 1. Failure to Send Billing Statements 21 Days Before the Due Date : According to 15 U.S. Code 1666b, billing statements must be sent at least 21 days before the due date. However, I did not receive my billing statements for the month of XXXX ( and previous months ) in time to allow for a full XXXX notice before the payment due date of the XXXX. This failure to comply with the statutory requirement has caused confusion regarding payment deadlines. These statements have not been sent to my address and also the emails are sent late for the billing not on said dates on letter dates. 
XXXX. Incorrect Reporting of a Late Payment for XXXX Prior to the Due Date : I have noticed that my XXXX payment was reported as late before the XXXX of the month, which is the actual due date according to my loan agreement. I find it troubling that a payment was marked as " late '' before the due date, which is not only misleading but also violates the terms of proper payment reporting. Payments can not be considered late until after the due date has passed, and therefore, XXXX payment should not have been marked as late before the XXXX. I fear this is something that has been going on monthly, all lates should be deleted or account most be deleted for inaccuracy. 
XXXX. Incorrect Late Payment Status on Prior Payments : Additionally, I have made required payments on or before the XXXX of each month. It is my understanding that any payments made by the due date should not be classified as late. Given that I have submitted payments on or before the XXXX, I dispute the claim that I am XXXX days late on my account. The payments has been misreported or misapplied, delete immediately. 
Included are payments and emails when bill was sent to email and none to address on file. Also, payments extensions that were directed to end of contract in XXXX was sent prior to credit bureaus to show payments were accepted but nothing was changed. 
Please delete lates immediately, I have waited beyond several times this year for a fair investigation.

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