Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, Re : Account # [ XXXX ] Consumer : XXXX XXXX XXXX I am writing to dispute the inaccurate and unlawful reporting of a collection account under my name, XXXX XXXX XXXX. The account in question is being reported with inconsistent and erroneous information, specifically indicating late payment dates on a collection account. Such reporting is not only misleading but is also a violation of federal consumer protection laws. 

Please take note of the following violations under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws : 1. **Violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ) ** : Under the FCRA, furnishers of information, such as XXXX XXXX XXXX XXXX are required to ensure that the information they provide to credit reporting agencies is accurate and complete. Reporting late payments on a collection account is inaccurate and misleading, as the nature of a collection account inherently implies that the debt is in default and no further late payments should be reported. The reporting of late payments in this context violates the FCRA 's mandate for accuracy in consumer credit reports. 

2. **Inconsistent Reporting and Misrepresentation Violation of FCRA Section 605 ( 15 U.S.C. 1681c ) ** : The law mandates that information reported on consumer credit reports must not only be accurate but must not misrepresent the status of the debt. The presence of late payment dates on a collection account misrepresents the nature of the account and its history, which is a violation of the FCRA. Inconsistent information like this creates confusion and damages the consumers credit standing, which is unlawful.

3. **Noncompliance with Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 15 U.S.C. 1692e ) ** : The reporting of incorrect information, such as late payment days on a collection account, is also a violation of the FDCPAs prohibition against false or misleading representations. Credit reporting agencies, such as Experian, must ensure that the information they are displaying complies with both the FDCPA and FCRA. 

As a result of these violations, I am formally requesting that you : - Immediately remove any and all incorrect late payment information from my credit report. 
- Ensure that this collection account is deleted entirely from my report if XXXX XXXX XXXX can not verify the information 's accuracy within the statutory 30-day period allowed under the FCRA.

I trust that Experian will take this matter seriously and resolve it promptly. Please provide written confirmation of the steps taken to correct this error within the 30-day investigation period.

Failure to comply with this request will leave me no choice but to pursue all available legal remedies, including statutory damages, legal fees, and injunctive relief as provided by the FCRA and FDCPA. 

Thank you for your attention to this matter. I expect prompt action to resolve these inaccuracies. 

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