Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ Experian ] [ Dispute Department ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Subject : Request for Reinvestigation of Inaccurate Information in My Credit Report Pursuant to the CARES Act, FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( a ) and ( b ), 1681g ), and TILA Dear [ Experian ] Representatives, I am writing regarding an open credit card account that appears on my credit report, showing a late payment record in XX/XX/XXXX. This late payment occurred during the period when certain financial protections related to the pandemic were still in effect. Considering the protections established under the CARES Act, I am requesting that this inaccurate entry be removed from my credit history.

I am citing the following considerations based on applicable laws : 1. CARES Act : During the XXXX pandemic, the CARES Act provided consumer protections. Many creditors offered payment relief or deferments to impacted customers, and credit bureaus were expected to accurately reflect these accommodations in credit reports. I request that this account be reviewed under the CARES Act, and that the recorded late payment be removed to accurately reflect the impact of the pandemic and any possible relief measures.

2. FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( a ) and ( b ), 1681g ) : 1681e ( b ) : This section requires that credit bureaus maintain reasonable procedures to ensure accuracy in credit reports. The inclusion of a late payment during this period is inconsistent with my financial situation during the pandemic and represents inaccurate information.

1681i : This law grants me the right to request a reinvestigation when disputing the accuracy of an entry in my report. Please conduct a thorough investigation and remove or correct any inaccurate information on this account in my record.

1681s-2 ( a ) and ( b ) : The FCRA requires information furnishers to update and correct any errors in reported information. I request that you contact the issuer of this credit card to ensure they report the account accurately, removing the late payment from XX/XX/XXXX. 
1681g : Under this section, I have the right to receive a copy of my credit report and a detailed report of any reinvestigation. I ask that, upon completion of your investigation, you provide me with a full copy of my updated report.

3. TILA ( Truth in Lending Act ) : TILA requires that lenders provide clear and accurate information on loan terms and conditions. If my lender offered a deferral during the pandemic, recording a late payment without proper notice and clarity may be a violation of TILA. 


Please proceed with the immediate removal of this late payment or any information that does not comply with FCRA, the CARES Act, and TILA. I appreciate your attention to this matter and look forward to a favorable resolution within the 30-day period stipulated by law. 

Sincerely, [ 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