Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
( IF YOU SEND ME AN AUTOMATED RESPONSE I WILL SUE YOUR AGENCY ) Your consumer reporting agency is in clear violation of the FCRA for reporting inaccurate transactional data on my credit report that is not in METRO2COMPLIANCE and failure to correct the following errors will result in pursuit of litigation on behalf of each inaccuracy. 

I dispute XXXX XXXX XXXX Account Number Listed : XXXX The payment history and balance of the account is inaccurate. My report states the last payment made to the creditor was on ( XX/XX/XXXX ) but in the transactional history it shows ( XX/XX/XXXX ) and the following month of ( XX/XX/XXXX ) was paid on time. XXXX unverified late transactions are furnished without any bank statements on this closed account. 

This account is showing XXXX late remark furnished without a statement from the creditor pursuant to ( 15USC1637 ) kindly remove this inaccurate account immediately. 

Payment history makes up 30  % of my score and any errors or inaccuracies furnished on my consumer report can damage my livelihood or ability to obtain credit, so it is very important that you uphold your morals as a consumer reporting agency and fix any inaccuracies I send to your business via certified mail as the LAW demands removal. 
Your consumer reporting agency also failed to furnish a notice of dispute within XXXX  days of my first initial dispute of this account sent to you on ( XX/XX/XXXX ) which is another violation of FCRA623 ( A ) that states it is a requirement. It has been over XXXX  days since such notice. 

YOUR CONSUMER REPORTING AGENCY VIOLATED THE FOLLOWING CODES OF THE FCRA According to 15USC1681 ( e ) it is your obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report by making each person or furnisher of data provide an original signed contract with written authorization the consumer gave them to contact you with nonpublic personal information - ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

According to 15USC 1681a ( 5 ) ; ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION The law clearly states - ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a Consumer, an item of information is found to be inaccurate, 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. 

15USC 1666 ( b ) states creditors can not report a LATE PAYMENT unless they mailed a statement received by the consumer containing information from 15USC 1637 ( B ), XXXX  days before the late payment was reported. If however, you can not provide me with the statement you were supposed to send me, you are in violation. 15USC 1666 ( b ) CLEARLY STATES - ( 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 XXXX  days before the payment due date. 

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

According to this section of the LAW 15USC 1681a ( 2 ) ( a ) ( i ) ; Exclusions from a Consumer Report ; My transactions to ANY creditor are EXCLUDED from my consumer report - the FCRA states : ( XXXX ) EXCLUSIONS Except as provided in paragraph ( XXXX ), the term consumer report does not include all transactions or experiences between the Consumer and the company reporting. 

This violation of 15USC 1681a ( 2 ) ( a ) ( i ) alone, justifies the deletion of these remarks from my report because the law clearly states my transactions or experiences are excluded and need to be updated. 
REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY! I included a copy of my notices sent to the agency, my drivers license, social security card, most recent paystub and screen shots of the inaccuracies described in this complaint via EXPERIAN APP in the attachments.

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