Consumer complaint received 2024-03-18 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: CA

Complaint narrative:
Re : Request to Update Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified certain inaccuracies that need to be addressed : one 30 day late payment and one 60 day late payment. 

1. Update the account as paid and never late off my credit report. 

Account Number : XXXX Update as paid and never late for accounts XXXX XXXX XXXX from my credit report for these dates XXXX and XX/XX/XXXX one late payment of a 30 day for XXXX and one 60-day late payment for XX/XX/XXXX. 

I recently, checked my credit report and noticed a billing error under 15 U.S. Code1666 - Correction of billing errors. 

( 4 ) The Creditor 's failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor. Also the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( ii ) After having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. 

As I know the original creditor didn't notify 21 days before with a statement so there should be no late payments for this account therefore, the original creditor closed my account on one 30-day late payment and one 60-day late payment. It is affecting my credit scores and chances of obtaining credit! This account was opened on XX/XX/XXXX with Experian. However, there is also inaccurate dates when the account was also opened and being reported across all credit reports which is another inaccurate topic we can talk about. All my information should be reporting the same across all 3 bureaus. But I demand to see hard proof of the creditor for payments on this account showing that I was late for XXXX, and XXXX of a one 30-day XXXX late payment and one of a 60-day XXXX. late payment. I can prove that my XXXX  account checking debit card XXXX XXXX has always charged my payments on AUTOPAY and on time. My account # XXXX and routing # XXXX proof that the original creditor has always charged my autopayments on time but committed a billing error for those dates and left my account on a late payment status, of one of a 30 day and of a 60-day late payment. 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. I would appreciate if you send me documentation that you will update all derogatory and inaccurate information from this account that is all I require. Otherwise, please provide me with your documentation showing that these payments were indeed late. All other previous months show long positive payment history since I opened the account with autopayments, but the creditor has failed to take my payment for those dates. There is inaccurate information being reported for dates of XXXX for one 30 day missed late payment and one 60 day missed late payment for XX/XX/XXXX. Please send me copies that you will update this account as paid and never late for those dates. As well as any all payment receipt documentation in you're possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as late. Pursuant to the above title section ( e ) ( 3 ) : I will expect a written reply within the required 30-day timeframe. 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. Update the account XXXX XXXX XXXX as paid and never late. You have 30 days to investigate this matter and confirm that it is being reported correctly or update/remove any late payments from my credit report. I also would like for you to mail me a copy of your actions and my updated paid and never late for those dates listed on my credit report. If any of these items appear to be false, please update/remove immediately! the late payments as paid and never late for XXXX and XX/XX/XXXX. 


RE : ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all-illegal behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! 


CERTAINLY, YOU ARE AWARE THAT COMPLETE COMPLIANT REPORTING IS A MANDATE NOT AN OPTION, AS SUCH ANY DEROGATORY ACCUSATIONS ASSOCIATED WITH A NOT COMPLIANT ALLEGED ACCOUNT MOST DEFINITELY, IS NOT COMPLIANTLY REPORTING ITSELF IF NOT UNPROVEN TO BE TRUE, CORRECT, COMPLETE, TIMELY, MINE, OR MY RESPONSIBILITY. HERE in this written letter is my formal request for you to bring my credit report into METRO-2 COMPLIANCE. I will take for granted that you are knowledgeable of the credit reporting laws ensuring that bureaus report only 100 % true, accurate, complete, timely, compliant, and proven as being such credit information, be it any, all, or none. Given your awareness, coupled with field trained knowledge, I am certain that you understand that a challenge to produce document demonstration in evidence to all claims of which you can not or will not adequately prove physically within the federally mandated timely fashion you are requisite to ANNUL any and all such challenged or disputed indicated misinformation immediately by UPDATE/CORRECT of every single one even each any and all aspects of the unproven reported chicanery filled subterfuge. Every step is required to be taken to assure the information reported is completely compliant, true, complete, timely, and correct. You nor any entity has authority to retain or report any undocumented and or unproven adverse allegations or physically unverifiable or not validated claims of derogatory items ) of information, true or not! 


DEROGATORY ACCUSATIONS HAS TO BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO UPDATE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME. I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED.AS SUCH, I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL ANY NOW BY FULL AND PERMANENT UPDATE OR ELSE ADEQUATELY TESTIMONY TO THE DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED METRO 2 DATA FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS APPROPRIATELY WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SUIT YOU AND SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION. 


Would you ever so kindly, indulge me with the mandated presentations of your requisite actions to authenticate and avow corporeally to the absolute genuineness, accurateness, Alness, accordance, and adherence to every single one even each any and or all of the federally composed legislative documents as related to the now officially challenged allegations of account and or adverse notations therein of such claims. Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenged so UPDATE TODAY even right NOW or unequivocally avouch physically to every single one even each any or all of the excerpts, dated assignments, ledger balances, audited enumerations, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate affirm every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX XXXX account # XXXX Please supply information on how you have verified these items. 

Provide Physical Proof of Verification ... NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS AND COMPLIANCE TO METRO2 SO PROVE NOW OR UPDATE THE CLAIM ANNUL/UPDATE/REMOVE THE FOLLOWING UNPROVEN TO BE COMPLIANT UNVERIFIED AS TRUE ALLEGED FROM MY FILE. 

In accordance with the Fair Credit Reporting Act, I insist that these items be thoroughly investigated and deleted from my report. It is my understanding that you will contact the creditor responsible for these entries for verification purposes. Please Update/Paid and never late and any information that can not be verified by the creditor should be promptly updated as paid and never late. I am aware that as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. Please send a revised copy of my credit report to the aforementioned address. According to the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the past six months regarding the corrections made. 

I am sincerely appreciative to your full attention to my request ; and your cooperation in speedily bringing my credit report into 100 % complete Compliance. Have a wonderful Day 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