Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
XXXX XXXX ( Account # XXXX ) Dispute Details : Incorrect late payment entries. This account is reported as XXXX, XXXX, but late payments ( XXXX, XXXX XXXX past due ) continue to appear inaccurately. 
XXXX XXXX Violation : Late payments should not be reported on a closed account per XXXX XXXX guidelines for XXXX XXXX reporting. The incorrect status violates XXXX XXXX XXXX and Payment Rating Codes as required by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX : Entitles me to request and verify account information accurately maintained by creditors. 
XXXX XXXX & XXXX ( a ) : Inaccurate and unverifiable information must be corrected or removed. 
XXXX XXXX XXXX XXXX XXXX : Right to request and verify reported information. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Furnishers must update and correct inaccurate information promptly. 
15 USC 1681s-2 ( a ) ( 1 ) ( A ) Prohibits the reporting of information known to be inaccurate, including incorrect late payments.

15 USC 1681s-2 ( a ) ( 2 ) Requires furnishers to update and correct inaccurate information. 
XXXX XXXX XXXX XXXX The account paid in full was never late ; requires removal of late payment data. 
XXXX XXXX XXXX XXXX XXXX payments reported inaccurately on closed accounts. 
XXXX XXXX XXXX XXXX Ensures accurate and consistent reporting of late payments within specific time frames ( XXXX, XXXX, 9XXXX XXXX, etc. ). 




2. THE XXXX XXXX ( Account # XXXX ) Dispute Details : Collection account with a past-due balance of {$1400.00} as of XX/XX/XXXX. This account contains inaccurate and misleading information and violates federal consumer protection laws. 
XXXX XXXX Violation : This account fails to meet accurate reporting standards under the Special Comment Code and Current Balance Code for collections, potentially inflating the balance in violation of XXXX XXXX guidelines. 
15 USC 1692e ( 2 ) Prohibits false representation of the character, amount, or legal status of any debt, including late payments. 
15 USC 1692f ( 1 ) Prohibits the collection of amounts not expressly authorized by the agreement or law.

15 USC 1692g ( b ) Requires suspension of collection activities until disputed debts are verified.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting inaccurate or incomplete information.

15 USC 1692e ( 8 ) Prohibits communicating false credit information, including failing to report that a debt is disputed.

Special Comment Code AW Indicates an account is in collections ; improper use or lack of this code may misrepresent account status. 
XXXX XXXX XXXX XXXX The account is in dispute ; failure to report this during a dispute violates compliance. 
XXXX XXXX XXXX XXXX reporting of collection amounts is required ; failure can mislead or inflate balances. 
I never sign any document or agreed to any terms this is idenity theft i want this account to be deleted immediately. 

Violations of My Rights Under Federal Law : FCRA Section 609 ( a ) ( 15 U.S.C. 1681g ) : You have failed to provide verifiable and accurate information regarding the accounts in question, in direct violation of my right to access and verify all data reported about me. This failure has caused undue stress and financial harm. 

FCRA Section 611 ( a ) ( 15 U.S.C. 1681i ) : Your agency has not conducted a proper investigation to correct unverifiable or inaccurate information promptly. The lack of compliance exacerbates the harm caused to my financial standing and well-being. 

FDCPA Section 806 ( 15 U.S.C. 1692d ) : Reporting practices that falsely portray my accounts as delinquent have caused undue harassment, stress, and emotional distress. Such practices are oppressive and abusive, in direct violation of federal law. 

FCRA Section 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ) : The continued reporting of known inaccuraciessuch as recurring late payments and misrepresented charge-offsdemonstrates a willful disregard for your obligation to ensure accurate reporting. 

Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case establishes your duty to ensure thorough and accurate reporting. Your current practices violate this precedent by perpetuating inaccuracies that harm my creditworthiness and emotional well-being. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to ensure maximum possible accuracy. Reporting recurring delinquencies on the same event constitutes a clear violation of this obligation. 

FDCPA Section 807 ( 15 U.S.C. 1692e ) : Misrepresenting the character and status of the debt is a blatant violation, misleading creditors and lenders about my financial history. 

XXXX XXXX XXXX Guidelines : Your repeated and inconsistent reporting of delinquencies fails to adhere to these guidelines, further validating the need for immediate correction.

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 non-monetary relief