Consumer complaint received 2025-04-20 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: GA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX  ( Experian Equifax and TransUnion ), I recently received your response regarding my dispute about the alleged late payments that you furnished to reporting agencies from the account above. In your response you stated you conducted a thorough investigation on the account. Im led to question what factors, processes and reasonable procedures that were used in your thorough investigation that would be suitable and compliant to assure maximum possible accuracy when furnishing information such as late payments. I have requested documents from you as proof of compliance within the FCRA 15 USC 1666b, 1637 ( b ), 15 USC 1681s-2 ( 7 ). You XXXX ( Experian, Equifax, and TransUnion ) have not sent me the documents Ive requested and have not proven to be compliant, therefore, information you are furnishing such as late payments are still considered to be inaccurate and not valid for the record. Furthermore, if you are unable to provide proof of the required documents I am requesting an immediate update to my account to reflect closed, paid, never late. Not to be confused with an account deletion that you stated you were not willing to do in your response letter ( XXXX ). An account deletion is not what I originally requested. Again, I am requesting the account to be updated immediately to closed, paid, never late. See the required documents below within the statues of the law. 
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. 
For any creditor to treat a payment as late you must prove the following : Each Periodic statement ; and 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. 


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 calendar 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 reply to me stating that you are furnishing accurate information because we both know your not and you havent sent me or proven the requested documents necessary to validate your inaccurate furnishings. 
Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1666b, 1637 ( b ), 15 USC 1681s-2 ( 7 ) 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 . I have to be redundant in order to make myself clear. 
In addition to the 15 USC 1666b requirements the alleged late payment that you have furnished is negative information and as a financial institution by law you are required to be in compliance with 15 USC 1681 s-2 ( 7 ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. 
( B ) Time of notice ( i ) In general The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title. 
Prove the tracking number for the notice with the date time year stamp of when this negative information notice was sent out to me before this negative information was furnished to the consumer reporting agency! This information is being requested in good faith pursuant Rule 1002. 

Regards, XXXX XXXX _______________________________ Without Recourse UCC 1-308

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