Consumer complaint received 2024-10-01 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: MI

Complaint narrative:
I am writing to formally dispute the accuracy of the late payment information reported on my credit profile for my account with [ XXXX ], account number [ XXXX ]. I am requesting the removal of these late payments under the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). 

*Under 15 U.S. Code 1666b - Timing of payments : ( 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 *15 U.S. Code 1681b - Permissible purposes of consumer reports It has come to my attention that my credit report incorrectly reflects late payments for this open account. As per the FCRA, Section 605, a creditor is prohibited from reporting inaccurate information. Reporting late payments when they do not accurately represent my payment history is not only misleading but also illegal. 

I believe that the late payments reported do not accurately reflect my payment history due to XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at the time of which I did call and make several arrangements. Under the UCC, it is crucial that any reporting of account status is both accurate and truthful. Failing to adhere to these regulations can result in legal consequences for the reporting entity. 

I kindly request that you investigate this matter and remove the inaccurate late payment entries from my credit report. I am committed to maintaining this account in good standing and would like it to be updated to reflect a current status. 

Please find attached any supporting documentation that may assist in your investigation. I appreciate your prompt attention to this matter and look forward to your response confirming the removal of the late payments from my credit profile. 

Thank you for your cooperation. 

Sincerely, 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 explanation