Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Subject of Complaint This complaint is filed by me, XXXX XXXX, asserting my status as a secure party with UCC1 filing number : XXXX. It concerns violations of federal consumer protection laws and privacy rights, as outlined in the attached FTC affidavit and supporting documents. 

Details of the Complaint Alleged Late Payments : Financial institutions and credit reporting agencies have unlawfully reported late payments on my credit report. Late payments are transaction- or experience-based information, which are not permissible for reporting under federal consumer protection laws. These actions violate the following : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Reporting of impermissible late payment data constitutes a failure to comply with the accuracy and integrity requirements und

er 1681s-2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 :
Misrepresentation of the nature and status of alleged debts through the inclusion of impermissible late payment data. 
Unauthorized Bankruptcy Reporting : I did not consent to any third-party agencies, companies, or credit reporting entities reporting bankruptcy filings or associated information on my credit report. Reporting this information without my explicit consent constitutes a violation of my privacy and federal laws. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Unauthorized reporting of bankruptcy filings is a breach of consumer privacy rights under 1681c, which restricts the inclusion of certain information on credit reports. 
Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 : Dissemination of unauthorized or inaccurate information is deceptive and unfair. 
Attached is a letter from the bankruptcy court explicitly stating that they do not report information to any agency, company, or third party. This demonstrates that such reporting is not only unauthorized but also unsubstantiated by the primary source of the alleged data. 

Secure Party Status As a secured party under UCC1 filing number XXXX, I assert all rights and protections available under the Uniform Commercial Code and federal consumer protection laws to safeguard my privacy and financial interests. 

Desired Resolution I demand the following actions : Immediate removal of all late payment entries and bankruptcy reporting from my credit reports. 
A formal investigation into the reporting practices of the entities responsible for these violations. 
Full compliance with federal consumer protection laws, including adherence to FCRA standards for accuracy, privacy, and integrity in credit reporting. 
Financial restitution for the harm caused by these unauthorized and unlawful reporting actions. 
Attachments The following documents are included as supporting evidence : FTC affidavit dated XX/XX/year>, detailing violations of consumer protection laws. 
A letter from the bankruptcy court confirming they do not report information to third parties.

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