Consumer complaint received 2024-10-20 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: TX

Complaint narrative:
Dear Consumer, Financial Protection Bureau I sent a dispute letter on XX/XX/year>, to Bank XXXX XXXX, XXXX XXXX and ACHIEVE PERSONAL LOANS about inaccurate and incomplete information that is being furnished on my consumer report XXXX, XXXX, and Experian. 

This is the letter I sent to XXXX XXXX  XXXX, XXXX XXXX, and ACHIEVE Personal Loans XX/XX/year>. 

you furnished alleged transaction on my Experian, XXXX, and XXXX that you identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 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.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 
Do not rely to me stating that you are furnishing accurate information because we both know your not. 
Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : It has been well over 30 days XXXX XXXX XXXX, XXXX XXXX and Achieve Personal Loans hasnt responded to my letter. This information by law must be deleted Immediately off my Consumer Report XXXX XXXX  XXXX { XX/XX/year>, XXXX am } by certified mail tracking number # ( XXXX } ( XXXX XXXX ) XXXX XXXX ( XX/XX/year>, XXXX am ) by certified mail tracking number # ( XXXX ) ( XXXX XXXX ) ACHIEVE PERSONAL LOANS ( XX/XX/year>, XXXX am ) by certified mail tracking number # ( XXXX ) ( 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