Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Re Investigate that XXXX XXXX XXXX followed the laws and procedures of 15 US 1666b!! Around XXXX weeks ago I disputed an account with Experian, XXXX, and XXXX about an account that reported a 30 day late payment on my consumer report by account # XXXX XXXX XXXX XXXX XXXX, I specifically asked the consumer reporting agencies mentioned above to investigate if XXXXXXXX XXXX XXXX followed the Consumer law steps in 15 US Code 1666b set by US Congress Notice to Agent is notice to principal notice to principal is notice to agent. 


These agencies received my disputes regarding a late payment that was furnished to my consumer report by XXXX XXXX XXXX with out doing a proper investigation and when I disputed these exclusions using the FCRA I received a response from ( Experian, XXXX, XXXX ) stating that the account was verified on XX/XX/2024 by XXXX, XX/XX/2024 by XXXX, and XX/XX/2024 by Experian I am not sure why they responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? 

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I did not receive any such mail from XXXX XXXX XXXX 

I am requesting all information pursuant Rule XXXX on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What procedure was adopted to ensure that each peridioc statement including information required by section XXXX was mailed or delivered to ( me ) the consumer not later than 21 days before the payment due date. 

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in METRO2 compliance, and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate. I the consumer is requesting the Certification of accuracy and the agents that were involved in the certification process, that certified that the information is complete and accurate. 
Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and ( Experian, XXXX, XXXX ) have fraudulently verified an account without a reasonable procedure as required by law. 

Delete this incomplete and unverifiable account and transactions from my consumer reports Immediately or face next steps as per the FCRA. 


Your truly XXXX XXXX XXXX. XX/XX/2024

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