Consumer complaint received 2024-12-14 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: VA

Complaint narrative:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system I am writing to formally notify you of my intent to immediately initiate arbitration proceedings due to your willful noncompliance with applicable consumer protection laws, specifically under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my prior efforts to resolve this matter amicably, your actions or lack thereof in addressing my concerns have led to clear violations of my consumer rights under the aforementioned statutes. These violations include, but are not limited to : FCRA Violations : Your failure to ensure the accuracy, integrity, and timely reporting of information to credit reporting agencies has resulted in irreparable harm to my creditworthiness. 

FDCPA Violations : Your aggressive and deceptive debt collection practices, including [ specify actions such as harassment, threats, false statements ], violate my rights as protected under the FDCPA. 

Under the FCRA and FDCPA, I am entitled to enforce my rights through legal action, including arbitration, which will be pursued immediately as per the terms of our agreement and the applicable laws. Your actions have left me no choice but to move forward with arbitration to seek the remedies I am entitled to by law. 

15 U.S.C. 1666b - Timing Of Payments ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

REMOVAL OF ALL LATE PAYMENTS IMMEDIATELY - UPDATE ACCOUNT " PAID AS AGREED " Account : XXXX XXXX XXXX XXXXXXXX Experian is inaccurately reporting this payment as late, which constitutes a material misrepresentation of the account status. Conversely, both FICO and XXXX are not reflecting this payment as late, which further substantiates the claim of erroneous and misleading credit reporting. This disparity in reporting suggests a violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accurate and timely reporting of credit information. '' This version incorporates references to the Fair Credit Reporting Act, which is relevant to disputes regarding inaccuracies in credit reporting. 

15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

Removal AND DELETE Of Unauthorized Hard Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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