Consumer complaint received 2024-12-20 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: NJ

Complaint narrative:
XXXX XXXX is still reporting illegal late payment transactions on my consumer report, even after two ( 2 ) dispute letters. 

For the first dispute, XXXX XXXX responded with " verified/accurately reported. '' For the second dispute, XXXX XXXX failed to respond altogether, violating the law. 
Now, I am disputing this issue for the third ( 3rd ) time. 

First Dispute Letter Delivered on XX/XX/XXXX, at XXXXXXXX XXXX., I sent my first dispute letter to XXXX XXXX ( USPS tracking No. XXXX ). In that letter, I requested information under 15 USC 1681A, which clearly states that negative information about transactions between the consumer ( me ) and the reporting entity ( XXXX XXXX ) can not be included in a credit report. 

Despite this, XXXX XXXX responded with " verified '' or " accurately reported, '' even though I did not request verification or account statements. The law is clear : transactions between us are excluded from consumer reports. This constitutes a clear violation. 

How can you validate a late payment based on information that should not be part of the report in the first place? According to the law, this is not permitted. 

Second Dispute Letter Delivered on XX/XX/XXXX, at XXXXXXXX XXXX., I sent a second dispute letter regarding certain transactions and late payments that were again illegally reported by XXXX XXXX ( USPS tracking No. XXXX ). However, XXXX XXXX did not provide any response or acknowledgment, thereby failing to comply with the law. This noncompliance is another violation. 

What I Need Now XXXX XXXX must provide proof of delivery for the written notifications that should have been sent to me at least 30 days before reporting each late payment. This is required under 15 USC 1681S-2 for the account ending in XXXX with the identifier XXXX. 

If XXXX XXXX can not provide all the specific items I have lawfully requested under 15 USC 1681A and 15 USC 1681S-2, I demand the following : Update all reported late payments to reflect " on-time '' status, OR Delete this account and its associated transactions entirely from my credit report. 
Account Details : Account Ending : XXXX Account Identifier : XXXX Reported Late Payments : Experian Report No. XXXX ( XX/XX/XXXX ) : XX/XX/XXXX : 60 days late, XX/XX/XXXX : 90 days late, XX/XX/XXXX : 120 days late XX/XX/XXXX : 30 days late, XX/XX/XXXX : 30 days late, XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late, XX/XX/XXXX : 30 days late, XX/XX/XXXX : 60 days late XXXX Report XXXX. XXXX ( XX/XX/XXXX ) : XX/XX/XXXX : 60 days late, XX/XX/XXXX : 90 days late, XX/XX/XXXX : 120 days late XX/XX/XXXX : 30 days late, XX/XX/XXXX : 30 days late, XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late, XX/XX/XXXX : 30 days late, XX/XX/XXXX : 60 days late XXXX Report XXXX. XXXX ( XX/XX/XXXX ) : XX/XX/XXXX : 60 days late, XX/XX/XXXX : 90 days late, XX/XX/XXXX : 120 days late XX/XX/XXXX : 30 days late, XX/XX/XXXX : 30 days late, XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late, XX/XX/XXXX : 30 days late, XX/XX/XXXX : 60 days late Conclusion : The actions of XXXX XXXX are unacceptable, harmful, and a violation of consumer laws that exist to protect the integrity and rights of American citizens. 

If this issue is not resolved in a timely manner, I reserve the right to pursue legal action. 

Sincerely, 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