Consumer complaint received 2024-03-21 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: NC

Complaint narrative:
15 U.S. Code 1666 - Correction of billing errors I put my credit card account in billing error status before XXXX XXXX XXXX XXXX closed my account on the " Public Side ''. XXXX XXXX XXXX XXXX did not respond ever nor did they resolve my billing dispute error on my open-ended credit account ; instead XXXX XXXX XXXX XXXX closed my account on the " Public Side '' without resolution to my billing error status, which is violation ( 1 ). Violation ( 2 ) 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. Violation ( 3 ) 15 U.S. Code 1666a - Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than XXXX  ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. XXXX XXXX  as well as XXXX, and Experian, all are reporting statements that have not been verified as a Bill or debt owed, " Only the President can write a Bill. Violation ( 4 ) 15 U.S. Code 1666c - Prompt and fair crediting of payments : ( a ) In general Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligors account as specified in regulations of the Bureau. Such regulations shall prevent a finance charge from being imposed on any obligor if the creditor has received the obligors payment in readily identifiable form, by 5:00 p.m. on the date on which such payment is due, in the amount, manner, and location indicated by the creditor to avoid the imposition thereof ; every time a payment was received on my behalf my account was to be credited immediately which was not the case with XXXX XXXX XXXX XXXX according to ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness. Violation ( 5 ) 15 U.S. Code 1666d - Treatment of credit balances : Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. XXXX XXXX has violated my rights and the above-listed codes.

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