Consumer complaint received 2024-12-08 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: AZ

Complaint narrative:
Re : Repeated Charge-Off Reports and inaccurate late payment reporting. 
Account : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Opened : XX/XX/XXXX. 
This account is inaccurately being reported with monthly charge-offs, potentially re-aging the debt Illegally and the statute of limitations. This constitutes a clear violation of 15 USC 1681e ( b ), Necessitating its removal immediately. 
You have a charge off in XXXX, XXXX and XX/XX/XXXX and inaccurate late payment reporting in XXXX and XXXX off XXXX. See picture of report enclosed. 
Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done. I request that you delete this account now for the two violations on my report for 3 years now.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you Experian credit reporting agency block all the accounts or collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX Title VI, Sections 611 ( a ) through ( d ), I am invoking my right to a detailed and meaningful investigation of disputed items listed.

In line with these provisions, I request a comprehensive description of the procedure used to verify the accuracy and completeness of the information, which should be provided within fifteen ( 15 ) days Following the completion of your investigation. This includes the name, address, and telephone number of everyone contacted regarding this alleged account, along with copies of any documents bearing my signature the purportedly established a legal binding contractual obligation to pay the amount claimed. Please be aware that the automated responses or XXXX - XXXX verifications are unacceptable for addressing this matter. A detailed investigation and explicit disclosure of your verification method are required as per the statutory guidelines. 
This communication serves as my final goodwill attempt to rectify this matter amicably. The disputed item is not only inaccurate but also incomplete and represents a significant error in your report. I am maintaining a detailed record of all communication for this issue, to be used for filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office if necessary. Please note that failure to satisfactorily resolve this matter within 30 days of receiving this letter may prompt me to initiate a small claims action against your company, seeking {$1000.00} per violation for 1. Defamation. 2.Negligent reporting. 3. Violations of Fair Credit Reporting Act. Dependent upon your response, I may also detail any potential issues with your company via an online public press release, including documentation of any small claims action Cc : CFPB Cc : Attorney Generals office Cc : FTC Best Regards, XXXX XXXX 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