Consumer complaint received 2024-08-08 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:
Experian has been notified by several attempts, certified mail, online and by phone to properperly correct and updated consumer information by FCRA consumer protection and has failed to accurately do so by law. 

Subject : Notice of Dispute Request for Reinvestigation Experian Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information on my credit report maintained by Experian. The account in question is with XXXX, and is currently reporting as a charge-off. 
I request that Experian conduct a reinvestigation of this account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15. U.S.C 1681. Additionally, reporting these inaccuracies are not only negatively impacting my credit profile, but is also a violation of 5 U.S.C 1666b ( Timing of Payments ) which states credit agencies CAN NOT report any credit transactions on reports as late for any purpose, unless the creditor has adopted reasonable procedures to ensure that each periodic statement has been mailed or delivered to the consumer no later than 21 days before the payment due date. 

Details of the Disputed Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( 15 USC 1681 ), XXXX XXXX is entitled to an Accurate and Verifiable credit report. Therefore, XXXX XXXX request that Experian conduct a thorough reinvestigation of validation of accounts that have reported inaccuracies associate Per FCRA all companies reporting, selling and buying public/personal information are in violation of the following XXXX XXXX Codes : 12 CFR 1016.1 ( 1 ) ( 2 ) ( 3 ) 604 ( a ) ( 3 ), FCRA section 619 permissible, closed accounts/responsibilities 623 ( a ) ( 5 ) 1681 ( a ) ( b ) ( c ) ( e ) -1682, collections 807-808, 15 USC 1692, illegal to report transactions without written consent of the consumer-15 usc 6801 In accordance with the FCRA, please respond to this request within 30 days from the Please provide details of your reinvestigation process, including any communications with above financial institution 's, and promptly correct any erroneous information on my credit report. 
Kindly keep me informed of the progress and resolution of this dispute. 
Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This letter is in response to a recent statement that I received. On XX/XX/XXXX a certified letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The envelope included a payment in full for the principal balance and a transfer of principal to the specified XXXX, instruction letter and a 1099C. 


Please reach out to the two companies that are trademarked with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were listed on 1099 C and on my credit report. 


Moreover, I am also bringing to your attention the Metro 2 Reporting Guidelines, which govern the reporting of credit information. It is essential that you adhere to these guidelines to ensure the integrity and reliability of credit reporting data. 


After updating my account paid in full, current and excellent payment history, please notify me within 15 days. I have received 2- 1099 B from XXXX who has my bank Account information for interest payment deposits. 

Thank you 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