Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting a complaint regarding inaccurate information on my credit report provided by Experian. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 

Inaccuracy # XXXX : XXXX XXXX XXXX : Late Payments : This account was an billing error 15 U.S.C 1666 ( b ) states 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 they have sent by mail and delivered a statement before 21 days of the payment due date. Which did not take place and no proper verification has been given to prove otherwise. Therefore, you are required by law to remove any late payment listed in this written notice immediately. 

Inaccuracy # XXXX : XXXX XXXX : Late Payments : This account was an billing error XXXX XXXX XXXX ( b ) states 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 they have sent by mail and delivered a statement before 21 days of the payment due date. Which did not take place and no proper verification has been given to prove otherwise. Therefore, you are required by law to remove any late payment listed in this written notice immediately. 

Inaccuracy # XXXX XXXX XXXX XXXXXXXX : Reason for Dispute : I DO NOT consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent. I have been disputing this account since XXXX of XXXX and based on 15 USC 6802 I was not given proper information on how to opt out per section XXXX ( b ) and ( c ). I have already informed this company to opt out of any current, prior or future reporting. You DO NOT HAVE MY PERMISSION to report any of it. 

Inaccuracy # XXXX XXXX XXXX XXXX XXXX : Reason for Dispute : I DO NOT consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent. I have been disputing this account since XXXX of 2023 and based on 15 USC 6802 I was not given proper information on how to opt out per section XXXX ( b ) and ( c ). I have already informed this company to opt out of any current, prior or future reporting. You DO NOT HAVE MY PERMISSION to report any of it. 

Inaccuracy # XXXX XXXX XXXX : Reason for Dispute : I DO NOT consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent. I have been disputing this account since XXXX of XXXX and based on 15 USC 6802 I was not given proper information on how to opt out per section XXXX ( b ) and ( c ). I have already informed this company to opt out of any current, prior or future reporting. You DO NOT HAVE MY PERMISSION to report any of it. 

Inaccuracy # XXXX XXXX XXXX XXXX : Reason for Dispute : This company put an inaccurate collection on my credit report while this matter was still in dispute and this is still in dispute. They still havent shown how I owe them for this said debt. I dont even know if they are licensed to collect in my state of domicile. I have asked for certain items in order for them to verify that this account is mine and they still havent provided me with everything that I have been asking for in which I have a right to ask for. I have also filed a CFPB report dated XXXX file number : XXXX. They are still refusing to take this inaccurate reporting from my credit report without providing all items that I requested. Based on 15 USC 6802 I was not given proper information on how to opt out per section XXXX ( b ) and ( c ). 

I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. 

However, the agency has not provided satisfactory responses or corrected the inaccuracies. This complaint is based on potential violations of the following laws and regulations : XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies. 2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts. 3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting. 4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs.

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.

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