Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause due to violation of several laws. These inaccuracies from this credit agency as well as XXXX XXXXXXXX XXXX XXXXXXXX are violation of several laws. Your company has stated the company verified these late payments but in order to verify anything they must give you the proper documentation showing the law was followed, this means you have this paperwork, and it must be sent to me by law from your company for me to validate I never received this proof by anyone nor has your company showed proof of verification that laws were followed. Your company submitted a reported late payment on XXXX XXXX which is against the law this payment was reported during the 30-day grace period the law states this can not be done this is not 30 days after the due date of payment, this late payment is proof the company violated the law, and this has happened several times ( 10 late payments were falsely reported ) 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Since these credit agencies has stated they have verified that these late payments are validate this means they have the certified mail green label receipts to show the company XXXX XXXX XXXX has followed the law of 15 U.S. Code 1666b - Timing of payments in order to report late payments on my credit report without this proof from the credit agency and reporting creditor these late payments are fraudulent and against the law to be on my report. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. The computer-generated response I received is unacceptable and does not follow the law requirements when submitting accounts have been verified and I am losing patience. I do not consent to a computer-generated response nor the eOscar response system. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. As well as the following Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 2. The date you contacted the individual furnishers information. 3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. The 15US1681 ( a ) ( i ) states by law all items in dispute MUST by law be removed BEFORE the investigation is completed and can ONLY be added back once ME THE CONSUMER has received proper validation and proof of verified ( as your companies has stated ) accounts the proof must show and prove this company has followed the following 15USC FCRA laws listed above, and information requested above. If late payments are not removed immediately it will result in legal actions taken for which i will seek {$1000.00} per violation.

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