Consumer complaint received 2024-01-20 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: FL

Complaint narrative:
Experian Dispute Department Re : Formal Dispute and Request for Correction of Credit Report Information Dear Experian Dispute Department, I am writing to bring to your attention several billing errors and discrepancies on my credit report, which I recently obtained. After thorough review, I have identified violations of the United States Code Law, specifically the Truth in Lending Act ( TILA ) under 15 U.S. Code 1666 ( b ) ( billing error ), 15 U.S.C 1681A ( 2 ) ( B ), and 15 U.S.C 1681s2. 
Under 15 U.S. Code 1666 ( b ) ( billing error ), I observed the following errors : The creditor 's failure to properly reflect a payment made by me or a credit issued to me. 
Computation errors or similar errors of an accounting nature by the creditor on my statement. 
Additionally, it has come to my attention that the creditor failed to provide a statement 21 days before the due date, which is a violation of TILA. Consequently, there should be no late payments reported on my accounts, and I demand verifiable proof from the creditor 's bank account that supports any claim of non-payment leading to late marks. 
Furthermore, under 15 U.S.C 1681a ( 2 ) ( B ), I draw your attention to the responsibilities of furnishers of information to consumer reporting agencies, specifically the duty to provide accurate information. It is evident from my credit report that certain accounts are inaccurately marked as late. The following discrepancies need immediate correction : Account : XXXX XXXX XXXX Account Number : XXXX Error : XX/XX/XXXX and XX/XX/XXXX show 90 days late payments, but the preceding months indicate on-time and positive payments, respectively. 
Account : XXXX XXXX XXXX Account Number : XXXX Error : XX/XX/XXXX reports a 30-day late payment. 
I seek clarification on your method of verification and investigation, and I kindly request answers to the following questions : What certified documents were reviewed during your investigation? 
Provide a complete copy of all information transmitted to the data furnisher, as required by the Fair Credit Reporting Act ( FCRA ). 
Details of communication with the data furnisher, including names, dates, duration, positions, and contact information. 
I also request a notarized affidavit confirming the accuracy of the information provided, adhering to my civil rights granted under federal laws. 
Failure to provide the requested information in a timely and detailed manner will compel me to demand an update to " paid as agreed '' on my credit report. The inaccurate reporting has caused significant financial and emotional distress. 
I expect your response within 15 days of receipt of this letter. Failure to do so will prompt legal action, and I have already involved regulatory bodies, including the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission

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