Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Federal law states It is a FACT you can not treat 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. I havent received any late notices of the debt, however what i did recieve is massive points lost and my score dropping significantly. You reported late XXXX, XXXX, of this year ( XXXX ) ; XXXX, XXXX, XXXX, and XXXX of last year ( XXXX ) and if I have never received that, then by LAW you can not report any payment as late. Thats a violation of 15 U.S.C 1666 ( b ) Federal law. You ( XXXX XXXX XXXX ) MUST COPMPLY since you ( XXXX XXXX XXXX ) under the SEC on your XXXX report ; More specifically Commission File No. XXXX, in there it states under Regulation of Consumer Lending Activities : The activities of the Bank as XXXX consumer lender are subject to regulation under various federal laws, including, for example, the Truth in Lending Act ( TILA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ), the CRA, the Servicemembers Civil Relief Act and the Military Lending Act, as well as under various state laws. TILA, as amended, and together with its implementing rule, Regulation Z, imposes several restrictions on credit card practices impacting rates and fees, requires that a consumers ability to pay be considered before issuing credit or increasing credit limits, and imposes revised disclosures required for open-end credit.. XXXX  XXXX XXXX  also willingly violated 15 U.S. Code 1681b ( 2 ) Permissible purpose of consumer reports. I never gave you written, nonwritten, verbal, and nonverbal consent, to add anything let alone transactions to the report and with each violation and inaccuracy ; thats XXXX $ for each and for the mental and emotional injuries XXXX  XXXX XXXX  has caused ; thats identity theft 12 CFR 1022.3. 15 U.S.C 1682a ( 2 ) ( a ) ( i ) EXCLUSIONS ; federal law says no transactions can be placed on the file ; it is ILLEGAL. 15 U.S. Code 1681o Civil liability for negligence noncompliance, any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of XXXX. Any actual damage sustained by the consumer as a result, failure negligent noncompliance means the law was violated not on purpose but just due to lack of knowledge of the required reporting procedures. 
XXXX XXXX XXXX theres no lack of knowledge for the law via the statement in the XXXX Filing, so there for you XXXX XXXX XXXX fall under 15 U.S. Code 1611 Criminal liability for willful and knowing violation. You have a fiduciary obligation and a professional DUTY to follow the laws of commerce.

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