Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
i am filing a complaint because my creditor is reporting late payment on my account ending in account # XXXX date XX/XX/XXXX that are inaccurate and not properly verified i have disputed directly with the credit bureaus and the furniture but the late payment remain without proper validation or documentation To Whom It May Concern, Subject : Formal Dispute of Account Reporting Under FCRA, TILA, and GLBA This letter serves as a formal notice to dispute inaccurate and unauthorized information reported on my consumer credit file. I am referencing the following account : Creditor : XXXX XXXX XXXX Account Number ( partial ) : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Open ( Reported as of XX/XX/XXXX ) Reported Balance : {$13000.00} ( as of XX/XX/XXXX ) Grounds for Dispute : Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a ( 2 ) ( i ) : This statute defines " consumer report '' and places clear boundaries on what constitutes a permissible purpose. If this account is being reported without a current, legally valid contract with permissible purpose, it is a violation. I have no recollection of authorizing or continuing this credit relationship in a legally binding manner post the alleged opening date. Please provide documented evidence of my authorization.

Violation of the Truth in Lending Act ( TILA ) 15 U.S.C. 1666b : TILA mandates accurate and timely billing practices. If XXXX XXXX XXXX has reported derogatory payment activity, such as " 30 days late '' in XX/XX/XXXX and XX/XX/XXXX, without providing billing statements in accordance with TILA, it constitutes a reporting error. I request that you investigate whether proper billing disclosures were provided, as I have not received or acknowledged such notices. 

Violation of the Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6802 : Under this statute, financial institutions are required to protect the privacy of consumers ' nonpublic personal information. If XXXX XXXX XXXX has disclosed or shared any of my personal or financial information with consumer reporting agencies without my explicit consent or outside of statutory exceptions, it is a direct violation. 

Requested Action : Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of this dispute. I demand : Immediate deletion or correction of the inaccurate information ; A copy of the results of your investigation ; Disclosure of the source of the information.

If the information can not be fully verified, it must be removed from my file.

Enclosures : Copy of my government-issued ID Recent utility bill ( proof of address ) Screenshot or printout of the disputed account from my credit report This dispute is made in good faith under my rights as a consumer. Please complete your reinvestigation within 30 days as required by law. 

Sincerely, XXXX XXXXXXXX XXXX Account number 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