Consumer complaint received 2024-03-14 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: LA

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a- Definitions ; rules of construction- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1666B : 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 XXXX days before the payment due date.Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
ACCOUNTS : Creditor : [ XXXX ] Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS FURNISHING LATE PAYMENTS WHICH ARE INACCURATE I HAVE NEVER BEEN LATE ON THIS ACCOUNT ] Instruction : [ Please Verify and update this account payment history to current ]. 
XXXX shows XX/XX/XXXX Paid on time and XXXX XXXX XXXX days late XX/XX/XXXX paid on time, Experian shows XX/XX/XXXX paid on time and XXXXXXXX XXXX XXXX  days late & XXXXXXXX XXXX XXXX  days late but yet XXXX shows XXXX XXXX  XXXX  days late and XXXX and XX/XX/XXXX paid on time! This is inaccurate I would like verification that I was late on the months mentioned above I was NOT XXXX  days late in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX this is INACCURATE please update my payment to paid on time XX/XX/XXXX ; Again I was NEVER LATE ON

THIS ACCOUNT! 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 XXXX  days before the payment due date.

I have NOT received a Statement required with each billing cycle ; The outstanding balance in the account at the beginning of the statement period ; The amount and date of each extension of credit during the period, and a brief identification, on or accompanying the statement of each extension of credit in a form prescribed by the Bureau sufficient to enable the obligor either to identify the transaction or to relate it to copies of sales vouchers or similar instruments previously furnished, except that a creditors failure to disclose such information in accordance with this paragraph shall not be deemed a failure to comply with this part or this subchapter if ( A ) the creditor maintains procedures reasonably adapted to procure and provide such information, and ( B ) the creditor

responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section 1666 of this title.

Furthermore, I am requesting that you provide me with, in writing. the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX   days before the payment due date. 15 U.S.C 1681e-Compliance procedures- ( b ) Accuracy of report : -Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I NEED THE TRACKING NUMBER & COPY OF THE NOTICE REQUIRE
D UNDER SECTION 1637B THAT WAS SENT TO ME IF YOU CAN NOT FURNISH THIS INFORMATION THIS LATE PAYMENT IS INACCURATE AND VIOLATES MY RIGHTS UNDER THE FCRA. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character. Please Assist thank you.

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 non-monetary relief