Consumer complaint received 2024-03-27 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: CO

Complaint narrative:
Under Public Law TITLE VICONSUMER CREDIT REPORTING P.L. XXXX, Approved XX/XX/1968 ( 82 Stat. 146 ) Sec. 603. [ 15 U.S.C. 1681a ] ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : * * * * * * * ( XXXX ) In response to a request by the head of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( or a XXXX XXXX XXXX XXXX  official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make XXXX XXXX payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified XXXX XXXX  award. 

As the provision states you are breaking the law, the only time anyone should attempt to pull my report is if they are the government and it is involving XXXX XXXX 
As I have requested numerous times, delete my non public personal information immediately, and also provide me with the names of the people, agents, and or employees of each creditor or business entity that furnished my information to you, by law you have 15 days to do so or remove it like I asked. 

Also by law creditors shall report late payments as 15 U.S. Code 1666b - Timing of payments states : ( 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. 

Again tell me who you spoke to that notified you the payment on these accounts are late, or remove the accounts

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