Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated above! To Whom It May Concern : XXXX account # XXXX. Being the FACT, I DEMAND a document of CERTIFIED COMPLIANCE displaying undoubted PROOF of all claims ( s ), PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, TIMELINESS, COMPLETENESS, OWNERSHIP OF RESPONSIBILITY, and VALIDITY including ANY STANDARD necessary be it mentioned or NOT! COMPLIANT REPORTING of VALID INFORMATION is NOT OPTIONAL, it IS THE REQUIREMENT. Any claim of negativity NOT meeting this STRICT STANDARD I here now CONTEST its REPORTABILITY and CHALLENGE all involved in its reporting to DEMONSTRATE PHYSICAL PROOF of FACTS and COMPLIANT REPORTING else ERADICATE any and all aspect of claimed delinquency ( ies ) and or derogatoriness ( es ) reporting and inadequately alleged. This account has a late payment and needs to be addressed by a deletion! It is only affecting my chances of obtaining credit. According to 15 U.S. Code 1666 ( b ) Timing of payments a creditor may not treat a payment on a credit card account under an open-end consumer credit card plan as a late for any purpose, unless the creditor reasonable procedures 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. According to another law that was violated since the beginning of this journey. According to 15 U.S. Code 6801 Protection of Nonpublic personal information it is the privacy policy of congress that each financial institution has affirmative and continue obligation to respect the privacy of its consumers and to protect the security confidentiality of those customers nonpublic personal information. The information given to the creditor says you have an ONGOING obligation to protect my information. Thats means I did not give permission to the creditor and therefore have violated my rights. That is an offense illegally they also committed because the law says to protect and NOT share. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it does not meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all your claims need to be accurate and reported in the format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ) Metro 2 I demand proof how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to reinvestigating these suspected claims on your end. I would also like for you to mail me a copy of your actions deleting the late payment for XX/XX/XXXX for XXXX account # XXXX off my credit report. If any of these items appear still be on my credit report, please delete immediately! Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : I received a copy of my credit report from ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my credit report, 15 U.S.C. Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.SC. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 

I DEMAND the following accounts to be verified or removed immediately. 

1. Validate The late Payments for XX/XX/XXXX of a one 30-day late payment. I have never been late on these accounts. 

Account Name : XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report consumer file. 

Your company is in clear violation of the law. Under. 15 U.S.C. Code 1681b - Permissible purposes 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 to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " Consumer report '' does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

DELETE the above late payments from my consumer report, these agencies is in violation of many laws 15 U.S.C. Code 1681, 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C. 1681s-2.

Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. Code 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ].

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and delete these items from my credit report. I understand that you are required to verify these items with the relevant creditor ( s ). Any information that the creditor ( s ) can not verify should be removed immediately. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receiving this letter.

Furthermore, I kindly ask that you send me an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Additionally, I request that you notify anyone who has received my credit report in the past six months of any corrections made. 

Thank you for your attention and assistance regarding this matter. 
Sincerely, XXXX XXXX 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