Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is in violation of the FCRA, Metro 2 Compliance and the law. I sent a notice to this consumer reporting agency on XX/XX/XXXX regarding inaccurate information on my consumer report and requested specific documentation with the results of their investigation to such inaccurate data pursuant to 15USC1681 ( i ) 7. During their investigation, I requested a copy of the original signed consumer agreement with my signature between each creditor and I that furnished information on my report below, as well as each statement with disclosure from 15USC1637 pursuant to 15USC1666 ( B ), each creditor allegedly mailed to me 21 days before each late transaction was furnished in the payment history of the following accounts and THE CONSUMER REPORTING AGENCY NEVER PROVIDED IT OR RESPONDED : According to 15USC 1681a ( 5 ) ; ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION the following information must be removed from my credit profile : The following collection account with an alleged debt of {$1800.00} along with 23 late transactions reported is inaccurate and not in Metro 2 Compliance. Please provide the original signed consumer agreement, where I gave your agency written authorization or permissible purpose to furnish this information on my report as per 15USC 1681 ( B ) as well as, along with each original statement the person sent to me 21 days before each late transaction was furnished on my report as per 15USC 1666 ( b ) which also violates 15 USC 1681 ( 2 ) ( a ) ( i ) that states my transactions or experience to any person making the report are excluded from my report. If congress states my transactions to any person making the report are excluded, why are there late transactions furnished that have not been proven? 
Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX The following account with an alleged debt of {$720.00} along with 11 late transactions reported is inaccurate and not in Metro 2 Compliance. Please provide the original signed consumer agreement, where I gave your agency written authorization or permissible purpose to furnish this information on my report as per 15USC 1681 ( B ) along with each original statement the company sent to me 21 days before each late transaction was furnished on my report as per 15USC 1666 ( b ) which also violates 15 USC 1681 ( 2 ) ( a ) ( i ). I also need a copy of the original agreement between the person who made this report and myself that proves my responsibility. If you cant provide these documents requested, this excluded data furnished is a result of IDENTITY THEFT and must be removed immediately. 
Company : XXXX XXXXXXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX The following installment account with an alleged balance of {$210.00} is not in Metro 2 Compliance and has 5 late transactions furnished on my consumer report. According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received 21 days before the late payment was reported, containing information from 15USC 1637 ( B ). Please provide me with the original statement sent to me from the company making the report, 21 days before each late transaction was furnished on my report. 
15USC 1681 ( 2 ) ( a ) ( i ) clearly states that my transactions or experience to any person making the report are excluded from my consumer report. If congress states this data is excluded, Why are there late transactions furnished on my report? Please remove this inaccurate data. 
Company Listed : XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Date Opened Listed : XX/XX/XXXX The following account with an alleged debt of {$450.00} along with 12 late transactions reported is inaccurate and not in Metro 2 Compliance. Please provide the original signed consumer agreement, where I gave your agency written authorization or permissible purpose to furnish this information on my report as per 15USC 1681 ( B ) as well as, all three of my privacy disclosures, ( a-c ) as per 15USC 6802 ( B ) that the person allegedly disclosed to me before contacting you with my nonpublic personal information to furnish the collection account, along with each original statement the person sent to me 21 days before each late transaction was furnished on my report as per 15USC 1666 ( b ) which also violates 15 USC 1681 ( 2 ) ( a ) ( i ). I also need a copy of the original agreement between the person who reported this account and myself that proves my responsibility to this debt. If you cant provide these documents, this excluded data furnished is a result of IDENTITY THEFT and must be removed! 
Company : XXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX The following installment account that is paid off has late transactions furnished on my consumer report. According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received 21 days before the late payment was reported, containing disclosures from 15USC 1637 ( B ). Please provide me with the original statement sent from the person making the report, 21 days before each late transaction was furnished. 15USC 1681 ( 2 ) ( a ) ( i ) clearly states that my transactions or experience to any person making the report are excluded from my consumer report. If congress states this data is excluded, Why are there late transactions? Remove this data. 
Company : XXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX The following installment account with an alleged balance of {$130.00} is not in Metro 2 Compliance and has late transactions furnished on my consumer report. According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received 21 days before the late payment was reported, containing information from 15USC 1637 ( B ). Please provide me with the original statement sent to me from the person making the report, 21 days before each late transaction was furnished on my report. 15USC 1681 ( 2 ) ( a ) ( i ) clearly states that my transactions or experience to any person making the report are excluded from my consumer report. If congress states this data is excluded, Why are there late transactions furnished on my report? Please remove this inaccurate data. 
Company XXXX XXXX XXXX XXXX Account Number : XXXX Date added : XX/XX/XXXX The following installment account with an alleged balance of {$520.00} is not in Metro 2 Compliance and has late transactions furnished on my consumer report. According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received 21 days before the late payment was reported, containing information from 15USC 1637 ( B ). Please provide me with the original statement sent to me from the person making the report, 21 days before each late transaction was furnished on my report. 15USC 1681 ( 2 ) ( a ) ( i ) clearly states that my transactions or experience to any person making the report are excluded from my consumer report. If congress states this data is excluded, Why are there late transactions furnished on my report? Please remove this inaccurate data. 
Company : XXXX XXXX XXXX  Account Number Listed : XXXX Date Added : XX/XX/XXXX The following installment account with an alleged balance of {$46.00} is not in Metro 2 Compliance and has late transactions furnished on my consumer report. According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received 21 days before the late payment was reported, containing information from 15USC 1637 ( B ). Please provide me with the original statement sent to me from the person making the report, 21 days before each late transaction was furnished on my report. 15USC 1681 ( 2 ) ( a ) ( i ) clearly states that my transactions or experience to any person making the report are excluded from my consumer report. If congress states this data is excluded, Why are there late transactions furnished on my report? Please remove this inaccurate data.

This account is a direct result of Identity Theft pursuant to 18USC1028. 
Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX DELETE THE INACCURATE INFORMATION LISTED ABOVE THAT WAS FURNISHED ; YOURE IN VIOLATION! 
ADVERSE ACTION HAS BEEN TAKEN AND THESE ACCOUNTS ON MY REPORT ARE INACCURATE! 
According to 15 USC 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency MAY furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions or permissible purpose to furnish data on my consumer report?

If so, provide the original consumer agreement with my signature that gave written authorization.

According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received 21 days before the late payment was reported, containing information from 15USC 1637 ( B ).

Please provide me with the original statement from the person or company of the accounts listed above, sent 21 days before each late transaction was reported to you. 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 21 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 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) ; EXCLUSIONS FROM A CONSUMER REPORT clearly states how transactions and experiences are excluded from my report - EXCLUSIONS except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681 ( section 3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Transactional history or experience is EXCLUDED from my consumer report, whether it was late or not.

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.

Failure to respond satisfactorily with deletion of the accounts referenced above and send a free copy of my report after the changes have been made will result in legal action against your company for : 1 ) DEFAMATION OF CHARACTER 2 ) NEGLIGENT ENABLEMENT OF IDENTITY THEFT FRAUD 3 ) FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g violations 4 ) FAIR CREDIT REPORTING ACT 15 USC 1681 violations for willful noncompliance- 616. CIVIL LIABILITY for willful noncompliance as per 15 USC 1681 ( n )

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