Consumer complaint received 2025-01-16 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX - XXXX Account # : XXXX Account XXXX Description : Individual Account Status : XXXX Open Balance Owed : XXXX {$0.00} Credit Limit : XXXX XXXX Creditor XXXX XXXX - Banking Date Reported : - XXXX XXXX XXXX Account Rating : XXXX Account Type : XXXX CollectionOrChargeOff Revolving -- -- XXXX Closed Date : XXXX Creditor Remarks : XXXX Date Opened : Date of Last Activity : XXXX XXXX High Balance : XXXX -- Last Verified : XXXX XXXX Payment Amount : XXXX -- Payment Status : XXXX CollectionOrChargeOff Dispute Status : XXXX XXXX Last Payment : XXXX -- Past Due Amount : XXXX -- Payment Frequency : XXXX Loan Type : XXXX I am writing to bring to your attention an inconsistency in my credit report concerning the account named XXXXXXXX XXXX XXXX, specifically regarding a late payment entry recorded for the year XXXX, in the month of XXXX. Upon careful review, I believe that this discrepancy is a result of a billing error, as provided under 15 USC 1666 of the Truth in Lending Act ( TILA ) .According to 15 USC 1666, all identified billing errors must be duly corrected. The case of XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) further emphasizes the responsibilities of credit reporting agencies to conduct reasonable investigations in such matters. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) establishes that failure to correct inaccurate credit information may lead to claims for damages under the FCRA.Considering the legal precedents and statutory obligations, I kindly request that the late payment entry be revised to " paid as agreed '' or " never late '' while keeping the account details intact. I appreciate your prompt attention to this matter. 
Also, see the image above for XXXXXXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Bring to your attention Account # ( XXXX ) reporting XXXX What are your thoughts on this? I challenge you to prove that my credit report and reporting practices are perfect. If you can't do it, then clearly the information in regards to me is inaccurate because Metro 2 standards arent being met! 
Viewing Account Status ( XXXX ) demonstrating Open. The content of this account does not meet Metro 2 requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with metro 2 requirements or else I will have my ability to finance questioned. This account needs fixing immediately! 
I was looking at Account Type ( XXXX ) expressing Revolving. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible Viewing Account Description demonstrating Individual. I am writing to inform you that the data for this account appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about XXXX  requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100

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