Consumer complaint received 2024-08-06 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: TX

Complaint narrative:
15 U.S. Code 1666b - Timing of 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. 

8 Section 1692e ( 10 ) provides, in pertinent part : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

I am writing to address serious concerns regarding the handling of my personal information by your agency, as well as potential violations of consumer rights and legal requirements under Title 15, Section 6801 of the United States Code, and the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b and Section 1681a ( 2 ). Upon reviewing my credit report, I have discovered discrepancies that suggest possible violations of consumer privacy rights and FCRA regulations. It appears that certain inquiries or disclosures of my personal information may not have been made for permissible purposes under Section 1681b of the FCRA. Additionally, I assert that the inclusion of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting late payments on my credit report violates Section 1681a ( 2 ) of the FCRA, which prohibits the reporting of transactions or experiences between the consumer and the person making the report. According to Section 1681a ( 2 ) of the FCRA, a consumer report can not include transactions or experiences between the consumer and the person making the report. Late payments are considered experiences between the consumer and the creditor, constituting a transaction, and therefore should not be included in my credit report. As I have not received a letter with a periodic statement 21 days before the due date, as required by consumer law, the condition for including late payments has not been met. Therefore, I request the immediate removal of all late payments from my credit report. Furthermore, I wish to emphasize that any unauthorized disclosure or use of my personal information in violation of applicable laws constitutes a serious breach of consumer trust and privacy. Under no circumstances should my personal information be obtained or made public without my knowledge or authorization. I urge your agency to conduct a thorough investigation into these matters and take immediate corrective actions to ensure compliance with Title 15, Section 6801, and the FCRA. This includes removing XXXX XXXX late payments from my credit report and implementing measures to prevent further violations of consumer rights and legal requirements. A Fair Resolution to this matter is to removed the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in its entirety and/or remove unauthorized unlawful late payments, immediately. This Affidavit of Truth is made pursuant to Fair Credit Reporting Act as codified at 15 U.S. Code 1681 which stipulates that a consumer reporting agency must, if requested, a consumer reporting agency shall block the reporting of any inaccurate and/or false information in the file of a consumer ( statement by the consumer that the information is not information relating to any transaction by the consumer. 2. ) I, a consumer in fact, agree with The Congress Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) which concluded that the banking system is dependent upon FAIR and ACCURATE credit reporting. Unfair credit reporting methods undermine the confidence of the public, which is essential to the functioning of our banking system. However, you have acted unfair by reporting unverified and inaccurate information without investigating me about the alleged transactions, and only taking one side of the story. That doesnt sound fair. I, a consumer in fact, agree with The Congress that youre presenting yourself as to be nothing but an elaborate mechanism, developed to discriminate against me, based on the evaluation of my credit worthiness, character, and reputation Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ). Take Notice that Pursuant to 15 U.S. Code 1681 ( a ) ( 3 ), you have only assumed this vital role to evaluate my consumer report, without having any real authority or consent by the consumer to do so ; 5. ) Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ), you have failed to exercise your grave responsibilities with fairness, impartiality, and a respect for my consumer right to privacy ; 6. ) Pursuant to 15 U.S. Code 1681 ( b ) consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce. Accuracy is about equity and must be equitable to the consumer. Must be fair on both sides, but you are not acting fair and impartial with in your initial investigation, you failed to contact me to ask about the alleged transactions, when I am the only individual with actual first-hand knowledge, but only decided to take one side which has caused great hardship to my family and I.

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