Consumer complaint received 2024-04-28 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: WI

Complaint narrative:
THIS IS INJURIOUS TO MY CONSUMER REPORTS. 

Over the past four weeks, I reviewed my credit report from all three credit reporting agencies and discovered listed accounts that have late payments that were not late and a bankruptcy on my files. I have placed 8 phone calls to get this information removed from my files.

I sent ( 4 ) certified letters TRACKING NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX TRACKING NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX TRACKING NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX TRACKING NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX To the agencies, but no agency has corrected the inaccurate information AND HAVE ONLY SENT ME COMPUTER GENERATED LETTERS THAT DO NOT ADDRSS MY ISSUES. In addition, the US Bankruptcy Courts have provided documentation clearly stating they do not verify or validate any public records. 

You are violating the FCRA law by not responding on time and not working with me to correct inaccurate information. I want to know how late accounts were verified on PAID AS AGREED ACCOUNTS and how other accounts are late but CLOSED and PAID 100 % with no remaining balances. I also want the bankruptcy REMOED IMMEDIATELY FROM MY CREDIT REPORTS. Documents and evidence attached. 

If you do not move expeditiously to correct ALL late pays an the bankruptcy for the following accounts, I will seek more legal action against you. I am doing a CFPB complaint as well for not having a proper response and result from you this time. I am submitting these incorrect items once again to remove all associated late payments and bankruptcy. I am paying these accounts as agreed or they have been paid in full already. Please remove the late payments immediately and the bankruptcy. 

Reporting inaccurate information is misleading. PLEASE investigate and REMOVE immediately. Under Section 1681 ( G ), please send me details of the procedures that were used to verify all inaccurate late payment accounting and include name/address/phone of ALL persons contacted to verify this inaccurate information per regulations found in the FCRA. 

Late payment accounts being reported inaccurately On XXXX, XXXX, and Experian : The report are inaccurate from last payment date, last activity on account, late payments, account status, last payment amounts to how accounts are 100 % paid in full and as agreed. 

XXXX XXXX  ( AUTO ), Acct # XXXX, XXXX late pays, PAID IN XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Acct # XXXX, XXXX late pays, Closed, Paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX late pays, Closed, Paid My consumer report is extremely important to me, and I want to advise that willful non-compliance is a violation of Section 1681 ( n ) of the FCRA. I assume 30 days is a reasonable amount of time to delate all of these late pays on my history. After removal please provide an updated credit report from ALL reporting agencies.

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 non-monetary relief