Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XXXX  SS # : XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN REGARDING MY CREDIT REPORT, I NEED YOU TO INVESTIGATE THE FOLLOWING ACCOUNTS : 1. I was never late on this account XXXX XXXX Account Number : XXXX I WAS NEVER LATE ON THIS ACCOUNT PLEASE SHOW ME DOCUMENTATION SHOWING PROOF OF A TRANSACTION SHOWING I WAS EVER LATE TO SUPPORT YOUR INACCURATE REPORTING ON MY ACCOUNT. IF YOU CAN NOT SUPPLY THIS PLEASE DELETE THIS ALLEGED LATE PAYMENT FROM MY CREDIT REPORT PER XXXXSC 15 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT REPORT AS AN OPEN-ENDED CONSUMER CREDIT PLAN I WAS NEVER LATE ON ANY ACCOUNTS LISTED ABOVE. THESE ALLEGED LATE PAYMENTS ARE FALSE AND INACCURATE AND I DEMAND A FULL INVESTIGATION AND THEY BE REMOVED FROM MY CREDIT REPORT IF THEY CAN NOT SUPPLY PROPER DOCUMENTATION. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report per 16 CFR 444.4 ( a ) In connection with collecting a debt arising out of an extension of credit to a consumer in or affecting commerce, as commerce is defined in the Federal Trade Commissio

n Act, it is an unfair act or practice within the meaning of section 5 of that Act for a creditor, directly or indirectly, to levy or collect any delinquency charge on a payment, which payment is otherwise a full payment for the applicable period and is paid on its due date or within an applicable grace period when the only delinquency is attributable to late fee ( s ) or delinquency charge ( s ) assessed on earlier installment ( s ). ( b ) For purposes of this section, collecting a debt means any activity other than the use of a judicial process that is intended to bring
about or does bring about repayment of all or part of a consumer debt. 

NOT ONLY ARE YOU IN VIOLATION OF 16 CFR 444.4, BUT YOU ARE ALSO VIOLATING MY RIGHTS IN ACCORDANCE WITH THE FCRA FOR THESE ALLEGED LATE PAYMENTS NEED TO BE INVESTIGATED, REMOVED AND UPDATED ACCORDING TO 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHTS TO PRIVACY. 

15 USC 1681 SECTION 604A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT Y WRITTEN INSTRUCTIONS. 

15 USC 1666B ALSO STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR A PURPOSE. 

THIS IS A VIOLATION OF MY RIGHTS AND I WILL TAKE FURTHER ACTION TO MAKE SURE MY RIGHTS ARE BEING PROTECTED. ONCE YOU HAVE FINISHED YOUR PROPER INVESTIGATION, SEND ME AN UPDATED CREDIT REPORT TO THE ADDRESS STATED ABOVE. 

THANK YOU. 

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