Consumer complaint received 2024-07-25 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: WI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was, in fact, paid on time. Before I get into specific details, I am automatically requesting a Notice of Validation of Debt, Person 12 CFR 1006. The consumer reporting agencies need to report all information with complete accuracy & 15 USC 1666 ( b ). A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title, is mailed or delivered to the consumer not later than 21 days before the payment due date. Also, in the Truth in Lending Act, creditors are required to provide a written notice to the consumer when they plan to report negative information about the consumers account to a credit reporting agency.

Notification Requirement : XXXX XXXX must notify me of my rights under the XXXX at the time that the account is opened and at least once per year ( which I have also not received ). 

No Adverse Reporting : While this investigation is ongoing, XXXX XXXX can not report the disputed amount as delinquent to credit reporting agencies. If the investigation determines there was an error, the creditor must correct the account and notify any credit reporting agencies to which the error was reported.

Before the late payment was furnished on my credit report, the creditor ( XXXX XXXX ) must send me my statement ( which did not occur and falls under the creditors responsibility, not mine ). 

Along with the statement, there have to be disclosures that are required from section 1637 ( b ). This shouldve been mailed or delivered to me no later than 21 days before the payment due date.

Based on 15 USC 1681e ( b ), stated in the section of the United States Code that falls under the Fair Credit Reporting Act ( FCRA ). Not doing so is called defamation of character, which gives me the right to seek legal action for damage under the FCRA. I have legal representation ready to file paperwork to the Federal Court on a lawsuit against your credit reporting agency for the bully tactic and intimidation your agency have used to harass and disturb me and my familys lives. This is completely unethical and unprofessional under : Harassment or Abuse ( 15 U.S.C. 1692d ) : This section explicitly prohibits debt collectors from engaging in any conduct that has the natural consequence of harassing, oppressing, or abusing any person in connection with the collection of a debt. Examples of prohibited conduct include : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number ( which I have several screenshots of these debt collection agencies/debt collectors harassing me and my family ).

This account has not been late on payments on these following dates that Ive attached in the copy in my report to this complaint : ( XX/XX/year> ). Im now requesting you investigate this account and update these incorrect late payment from ( XX/XX/year> ) to be marked as paid on time immediately. Your financial institution had to send me a notice within 30 days of furnishing my credit. I would like to receive an update on my dispute letter soon under 15 U.S.C. 1681 ( 7 ) - Method of Verification. Thank you for your understanding and prompt action. If I have to send three rounds of this letter to dispute this incorrect information, I will no longer be disputing or trying to handle it on a one-on-one basis. I will be taking this to the Supreme Court and filing for a civil lawsuit. All correspondence will be done by mail. I will not receive email and I will not be going to any portal and accessing it because of security reasons and technical difficulties, like it going to spam or simply not receiving any email, which is not uncommon. ( Mailing address is the same as my current address inputted in the header with my personal info. )

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