Consumer complaint received 2023-12-27 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of information on my credit report, which I recently obtained. After a thorough review, I have identified several discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) and other relevant statutes, such as the Truth in Lending Act ( TILA ) 15 U.S. Code 1666 ( b ) regarding billing errors.

Under TILA 15 U.S. Code 1666 ( b ) billing error, I observed the following violations : Failure to Reflect Payments on Statements : The creditor failed to properly reflect a payment made by me, resulting in inaccurate reporting on my credit statement. 

Computation Errors : I identified computation errors and similar accounting errors by the creditor on my statement, leading to inaccuracies in the reported information. 

Furthermore, it has come to my attention that the creditor did not provide a statement 21 days prior, as required by law. As a result, any reported late payments are deemed invalid, and I request substantial evidence from the creditor to substantiate these claims. 

Moreover, my right to privacy, as outlined in 15 U.S.C. 1681 Section 602 ( A ), and the requirement for written consent under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) have been violated. I insist on a thorough investigation into these matters.

According to the FCRA 15 U.S.C. 1681, any unproven, non-compliant, incomplete, untrue, incorrect, or unverified aspects of alleged derogatory accounts must be promptly rectified, or the accounts in question should be entirely removed. The following inaccuracies should be addressed promptly : Account : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Status : Account charged off. {$8300.00} written off. {$12000.00} past due as of XX/XX/2023. 
Account : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Status : Closed. Balance : {$1600.00}. Past due information is inaccurately reported. 
Account : XXXX XXXX  Account Number : XXXX Account Type : Credit Card Status : Paid in settlement. {$740.00} written off. The payment history is inaccurately reflected. 
Account : XXXX XXXX XXXX Account Number : XXXX Account Type : Unsecured Status : Paid in settlement. {$2200.00} written off. The payment history is inaccurately reported. 
I demand that these discrepancies be promptly corrected or deleted from my consumer report. Failure to comply will leave me no choice but to seek monetary compensation for the violation of my rights under 15 U.S.C. 1681n civil liability. This matter has already been reported to the Complaint Portals for the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

I expect your immediate attention to this matter and appreciate your prompt resolution.

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