Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX XXXX. This late payment that is reporting is a resort of systematic error on their end processing my payment. There was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC code 1681 EB. This area has caused severe hard to my reputation, my character, my mode of living into my family! I demand the late payment reported in ( month reported late ) to be removed. They are not in compliance with the following law 15 USC 1666B requirements set the standards and the guidance for a credit to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 US 1666B ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open and customer credit plan as late for any purpose, unless the credit 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. XXXX never sent the periodic statement along with the disclosures from section 1637b. 

I have requested proof that this information was mailed or delivers 21 days before the payment due date and this information was requested in good faith pursuant rule one XXXX and it was never provided. This is unfair, illegal, fraudulent, and equitable to me as a consumer! 

Delete the payments from my consumer reports! 





XXXX XXXX XXXX XXXX XXXX  XXXX fl XXXX XX/XX/XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Notice to Agent is notice to principal notice to principal is notice to agent. 

I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report * In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

This account is also in violation of 15 us code 1666b : FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person XXXX is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. 

You have furnished transaction information on the following accounts. 
XXXX XXXX has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date. 

MY account with XXXX was never late! This was clearly a billing error and This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family! 

I need the following late payments Deleted : XXXX I was never late on XX/XX/XXXX. This is inaccurate and a violation of the FCRA. Update this late payment to paid as agreed Delete the following late payments from my consumer reports ; XXXX Your truly 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 non-monetary relief