Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The credit bureaus Experian, XXXX, and XXXX have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. 

This entity also violated 15 U.S. Code 6802. Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

It clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I have communicated with Experian, XXXX, XXXX supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, un-written, verbal, and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access, use nor house my information, hard inquires, soft inquiries, any collections and or charged off accounts and any such use is in violation of 18 USC 1028A Aggravated Identity Theft. 

I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that Experian, XXXX, and XXXX had possession of my information. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. 

The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. All charge offs are considered a certificate of indebtedness that will result in a 1099c and now is considered income and can not be reported on a credit report pursuant to IRS regulations. The company received a tax break and is not reporting accurate information. 

Account XXXX XXXX # XXXX This account is currently reported as a charge-off ; however, the reporting contains inconsistencies that require immediate attention. Specifically : 1. A balance is still reflected on the account, despite its classification as a charge-off.

2. There is a past-due balance being reported simultaneously with the charge-off status. 
These discrepancies constitute a violation of accurate reporting requirements, as the information provided does not align with the account 's actual status. I urge your agency to delete this account as it simultaneous reporting of a past-due balance and charge-off status, which is contradictory and misleading. The law governing inaccurate reporting on credit reports is primarily found in the Fair Credit Reporting Act ( FCRA ), which is codified under 15 U.S.C. 1681 et seq. Below are some key provisions related to inaccurate credit reporting : 1. 15 U.S.C. 1681e ( b ) Accuracy of Reports : This section requires credit reporting agencies ( CRAs ) to maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. 

Given these inaccuracies, I request the immediate deletion of this account along with any negative reporting from my credit report to ensure full and accurate reporting in compliance with applicable laws. 
Please be advised that I am maintaining a comprehensive record of all correspondence and actions taken regarding this issue. Failure to address or respond to this matter within the required time frame will leave me no choice but to explore legal remedies to safeguard my rights as a consumer. 
I trust that this matter will be handled promptly and resolved satisfactorily. Thank you for your attention to this urgent issue. 

For all accounts being listed as late on my credit report. 

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 : 1 ) 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.

2 ) 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 :

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