Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
CFPB, I need your help because at this point I dont know where to turn. I had my coffee, opened the mail and I saw three letters. One from all three credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following : 1. XXXX : Account number : XXXX, I was never late. According to 15 U.S.C. 1666b, the law clearly states, A credit may not treat a payment on a credit card account under an open end consumer report as a late for any purpose unless they send the information in section 15 U.S.C. 1637b. They must mail it 21 days before the payment due date. I request proof that this information was mailed or delivered 21 days before the due date. If the credit can not provide this information the late payment must be deleted and removed from my report. Delete it from my credit Report Today! 



XXXX : Account number : XXXX, I was never late. According to 15 U.S.C. 1666b, the law clearly states, A credit may not treat a payment on a credit card account under an open end consumer report as a late for any purpose unless they send the information in section 15 U.S.C. 1637b. They must mail it 21 days before the payment due date. I request proof that this information was mailed or delivered 21 days before the due date. If the credit can not provide this information the late payment must be deleted and removed from my report. Delete it from my credit Report Today! 



XXXX : Account number : XXXX, I was never late. According to 15 U.S.C. 1666b, the law clearly states, A credit may not treat a payment on a credit card account under an open end consumer report as a late for any purpose unless they send the information in section 15 U.S.C. 1637b. They must mail it 21 days before the payment due date. I request proof that this information was mailed or delivered 21 days before the due date. If the credit can not provide this information the late payment must be deleted and removed from my report. Delete it from my credit Report Today! 



XXXX XXXX : Account number : XXXX, I was never late. According to 15 U.S.C. 1666b, the law clearly states, A credit may not treat a payment on a credit card account under an open end consumer report as a late for any purpose unless they send the information in section 15 U.S.C. 1637b. They must mail it 21 days before the payment due date. I request proof that this information was mailed or delivered 21 days before the due date. If the creditor can not provide this information, the late payment must be deleted and removed from my report. This company can only collect on mortgages and this account isn't a mortgage, see documentation attached. Delete it from my credit Report Today! 



XXXX : Account number : XXXX, I was never late. According to 15 U.S.C. 1666b, the law clearly states, A credit may not treat a payment on a credit card account under an open end consumer report as a late for any purpose unless they send the information in section 15 U.S.C. 1637b. They must mail it 21 days before the payment due date. I request proof that this information was mailed or delivered 21 days before the due date. If the credit can not provide this information the late payment must be deleted and removed from my report. Delete it from my credit Report Today! 



XXXX : Account number : XXXX, I have received a 1099-C form from the creditor indicating that this debt has been canceled and reported as income to the IRS. Under IRS regulations, canceled debts are no longer enforceable and, therefore, should not be reported as outstanding debts. Reporting this canceled debt as active may be a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. Delete it from my credit Report Today! 



XXXX : Account number : XXXX, I have received a 1099-C form from the creditor indicating that this debt has been canceled and reported as income to the IRS. Under IRS regulations, canceled debts are no longer enforceable and, therefore, should not be reported as outstanding debts. Reporting this canceled debt as active may be a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. This company is not legally allowed to collect in my state. Please see the attachment. Delete it from my credit Report Today! 



XXXXXXXX XXXX : Account number : XXXX, I have received a 1099-C form from the creditor indicating that this debt has been canceled and reported as income to the IRS. Under IRS regulations, canceled debts are no longer enforceable and, therefore, should not be reported as outstanding debts. Reporting this canceled debt as active may be a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. Delete it from my credit Report Today! 



XXXX XXXX  : Account number : XXXX, I have received a 1099-C form from the creditor indicating that this debt has been canceled and reported as income to the IRS. Under IRS regulations, canceled debts are no longer enforceable and, therefore, should not be reported as outstanding debts. Reporting this canceled debt as active may be a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. Delete it from my credit Report Today! 



XXXX : Account number : XXXX, I have received a 1099-C form from the creditor indicating that this debt has been canceled and reported as income to the IRS. Under IRS regulations, canceled debts are no longer enforceable and, therefore, should not be reported as outstanding debts. Reporting this canceled debt as active may be a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. Delete it from my credit Report Today! 



XXXX XXXX : Account number : XXXX, I have received a 1099-C form from the creditor indicating that this debt has been canceled and reported as income to the IRS. Under IRS regulations, canceled debts are no longer enforceable and, therefore, should not be reported as outstanding debts. Reporting this canceled debt as active may be a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. Delete it from my credit Report Today! 



XXXX XXXX : Account number : XXXX, I have received a 1099-C form from the creditor indicating that this debt has been canceled and reported as income to the IRS. Under IRS regulations, canceled debts are no longer enforceable and, therefore, should not be reported as outstanding debts. Reporting this canceled debt as active may be a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. Delete it from my credit Report Today!

For some reason, your company did not remove it. Im a little confused here. How is it that the other two bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other two bureaus, then why would they not do the same with your company? Are you sure you contacted them this inaccurate information is stopping me from getting approved for credit, and Im starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, Im not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. I dont want to do that but I will if I have to.

Please check with the furnisher and fix this problem.

Sincerely,

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