Consumer complaint received 2024-12-08 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: TN

Complaint narrative:
I AM OUTRAGED AND DEEPLY DISAPPOINTED THAT YOU HAVE FAILED TO REPORT MY CLAIMS IN A MANNER THAT COMPLIES WITH THE REQUIRED STANDARDS, AND I AM DEMANDING IMMEDIATE CORRECTIVE ACTION. THIS LETTER SERVES AS MY FORMAL AND UNEQUIVOCAL DISPUTE REGARDING THE CLAIMS REPORTED IN THE NOTICE. 

YOU HAVE BLATANTLY FAILED TO FOLLOW THE MANDATORY XXXX XXXX DATA-FILLED FIELD FORMATTED REPORTING STANDARDS, AND I CHALLENGE YOU TO PROVIDE CLEAR, IRREFUTABLE EVIDENCE THAT EACH CLAIM WAS REPORTED PROPERLY. 

LET ME MAKE THIS ABUNDANTLY CLEAR : I DO NOT DISPUTE THE VALIDITY OF THE CLAIMS THEMSELVES, BUT I ABSOLUTELY CONTEST YOUR FAILURE TO REPORT THEM IN FULL COMPLIANCE WITH FEDERAL LAW. ACCORDING TO THE LAW, YOU ARE LEGALLY OBLIGATED TO ENSURE THAT EVERY SINGLE CLAIM IS REPORTED WITH THE HIGHEST DEGREE OF ACCURACY AND COMPLETENESS. THE WAY THESE CLAIMS HAVE BEEN REPORTED IS NOT ONLY XXXX IS ILLEGAL. 

UNDER XXXX XXXX, THE CLAIMS YOU HAVE REPORTED ARE QUESTIONABLE AT BEST AND LIKELY UNLAWFUL IN THEIR EXECUTION. IT IS UNACCEPTABLE FOR MY PERSONAL AND FINANCIAL REPUTATION TO BE HARMED BY YOUR NEGLIGENCE, AND I AM DEMANDING THAT YOU IMMEDIATELY CORRECT THE RECORD. 

XXXX. Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


THESE ACCOUNTS WERE PAID. THIS CREDITOR VIOLATES MY RIGHTS UNDER XXXX XXXX. 

Code XXXX XXXX - PROMPT AND FAIR CREDITING OF PAYMENTS. 

( a ) PAYMENTS RECEIVED FROM AN OBLIGOR UNDER AN OPEN-END CONSUMER CREDIT PLAN BY THE CREDITOR SHALL BE POSTED PROMPTLY TO THE OBLIGORS ACCOUNT AS SPECIFIED IN REGULATIONS OF THE BUREAU. 

SUCH REGULATIONS SHALL PREVENT A FINANCE CHARGE FROM BEING IMPOSED ON ANY OBLIGOR IF THE CREDITOR HAS RECEIVED THE OBLIGORS PAYMENT IN READILY IDENTIFIABLE FORM, BY XXXXXXXX XXXX ON THE DATE ON WHICH SUCH PAYMENT IS DUE, IN THE AMOUNT, MANNER, AND LOCATION INDICATED BY THE CREDITOR TO AVOID THE IMPOSITION THEREOF. 

THIS IS CLEARLY A VIOLATION OF MY RIGHTS AND I WILL TAKE FURTHER ACTION TO MAKE SURE MY RIGHTS ARE BEING PROTECTED. Under XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Treatment of inaccurate or unverifiable information. After any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I WILL WAIT FOR YOUR RESPONSE IN WRITING.

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