Consumer complaint received 2024-03-16 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: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX ACCT # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to ON TIME as they should be as I was NEVER LATE. Thanks. 

Per 15 USC 1666-B - A creditor may not treat a payment on a credit 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 no later than 21 days before the payment is due. This is ILLEGAL, ITS A VIOLATION.

I reviewed my Consumer Reports and noticed I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXXXXXX XXXX XXXX XXXX  ACCT # : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to ON TIME as they should be as I was NEVER LATE. Thanks. 

Per 15 USC 1666-B - A creditor may not treat a payment on a credit 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 no later than 21 days before the payment is due. This is ILLEGAL, ITS A VIOLATION.

I reviewed my Consumer Reports and noticed I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX XXXX XXXX ACCT # : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to ON TIME as they should be as I was NEVER LATE. Thanks. 

Per 15 USC 1666-B - A creditor may not treat a payment on a credit 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 no later than 21 days before the payment is due. This is ILLEGAL, ITS A VIOLATION.

I reviewed my Consumer Reports and noticed I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX  XXXX ACCT # : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to ON TIME as they should be as I was NEVER LATE. Thanks. 

Per 15 USC 1666-B - A creditor may not treat a payment on a credit 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 no later than 21 days before the payment is due. This is ILLEGAL, ITS A VIOLATION.

I reviewed my Consumer Reports and noticed I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX XXXX  XXXX ACCT # : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to ON TIME as they should be as I was NEVER LATE. Thanks. 

Per 15 USC 1666-B - A creditor may not treat a payment on a credit 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 no later than 21 days before the payment is due. This is ILLEGAL, ITS A VIOLATION. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. A ChargeOff is considered a certificate of indebtedness which means it is income and it must be Removed. Income can not be reported on your credit report.

In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. A ChargeOff is considered a certificate of indebtedness which means it is income and it must be Removed. Income can not be reported on your credit report. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. A ChargeOff is considered a certificate of indebtedness which means it is income and it must be Removed. Income can not be reported on your credit report.

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