Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is in reference to inaccurate information that is being providing to EXPEEIAN from DRPT OF EDXXXX and EXPERIAN is publishing to my consumer file.The inaccurate information is in regards to late payments which never occurred with said company. What is being reported is below. XXXX ( 90-days late ) XXXX ( 120-days late ) This account shows positive payments prior to these dates which is a direct indication something is wrong and inaccurate with its reporting. UNDER ( FCRA ) CREDIT REPORTING AGENCIES ARE REQUIRED TO MAINTAIN ACCURATE AND COMPLETE INFORMATION. FCRA 607 ( b ) ( 15 U. S. C 1681 e ( b ) .. BE CLEAR IM NOT ASKING FOR VALIDATION BUT IT TO BE REMOVEDFROM MY EXPERIAN CREDIT FILE OR UPDATED TO POSITIVE PAYMENT HISTORY. 


THE ABOVE ACVOUNT Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines established by the XXXX XXXX XXXX XXXX ( XXXX  ), I request that your organization investigate and correct any inaccuracies or non-compliant reporting associated with this account. 

Account Information : Creditor Name : [ Creditor Name ] Account Number : [ Account Number ] Date ( s ) of Alleged Late Payments : [ List Dates ] Upon reviewing my credit report, I noticed that the late payment information reported for this account appears to violate the Metro 2 format standards, which require accurate, complete, and consistent data reporting. Specifically, I believe that the following Metro 2 compliance codes may not have been applied correctly : Compliance Condition Code ( CCC ) : Late payments must be reported with proper CCC designations to indicate the account 's actual status during the period in question. 

Payment Rating Field : This field must accurately reflect the timeliness of payments based on the billing cycle. Misreported data here could result in erroneous late payment reporting. 

Account Status Code : This must align with the current account condition. An outdated or incorrect status could inaccurately reflect delinquencies. 

Date of First Delinquency ( DOFD ) : Any late payment information must include a proper DOFD to ensure compliance with credit reporting standards. 

Given the potential for inaccurate reporting, I request that your organization : Conduct a thorough investigation of the reporting for this account. 

Validate the accuracy of the reported late payments against Metro 2 standards. 

Provide documentation supporting the accuracy of the reporting if no changes are made. 

Remove or correct any data that is inconsistent with the Metro 2 guidelines or FCRA requirements. 

Please consider this letter a formal dispute under the FCRA. I have enclosed copies of my credit report highlighting the disputed entries, as well as any supporting documentation that may assist in your investigation. 

I expect to receive a response to this dispute within 30 days, as stipulated under the FCRA. If the inaccuracies are not corrected, I may escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to ensure compliance. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and notify me of the results of your 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