Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have a Close Credit Card account on my credit report From XXXX XXXX XXXX, account # XXXX, member # XXXX, and credit card number XXXX, EXP XX/XX/XXXX XXXX XXXX XXXX, thats showing an inaccurate late payment from XXXX which is a violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies, However I would be providing proof of payment made from my XXXX XXXX  account ending in XXXX on XXXX, for the amount of XXXX $ which proves my payment was made over the amount my monthly payment is XXXX XXXX and also this late payment is also a violation our Status 15 U.S. Code 1666b, also known as TILA 163, is a consumer credit regulation that covers the timing of payments for open end credit plans. It states that creditors can't consider a credit card payment late unless they've taken reasonable steps to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date. The statement must include the information required by section 1637 ( b ) of the title. The law was violated because XXXX XXXX XXXX never sent me any letter via mail nor email stating that my account was past due, which only shows an error on their end because my bill was paid. I take pride in my personal credit as you can see I never miss a payment throughout all of my accounts thats on my credit report, this is not my characteristic I have never missed a payment with XXXX XXXX XXXX as you can see I made a {$9700.00} payment from my same account ending in XXXX on XX/XX/XXXX, This late payment is wrong misleading and inaccurate and must be corrected immediately. 15 U.S. Code 1681i - Procedure in case of disputed accuracy, states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file. ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) Ingeneral If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The law states any inaccurate information on my credit report thats on an account the a must be deleted. Im uploading my credit report along with the screenshot of the payment made on XX/XX/XXXX, and more, also heres a breakdown of all the inaccurate information reported on the Delinquent ALLIANT Credit Card Account : Based on the provided information from the credit report, here are the inconsistencies or incomplete data points between the XXXX credit bureaus ( XXXX, Experian, and XXXX ) : Balance : XXXX : {$390.00} Experian : {$390.00} XXXX : {$390.00} High Credit : XXXX : {$12000.00} Experian : {$12000.00} XXXX : {$5000.00} Credit Limit : XXXX : {$5000.00} Experian : {$5000.00} XXXX : {$0.00} Past Due : XXXX : {$50.00} Experian : {$0.00} XXXX : {$50.00} Payment Status : XXXX : Late 30 Days Experian : Current XXXX : Late 30 Days Date of Last Payment : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Comments : XXXX : Accounts closed by XXXX XXXX Experian : Account has been closed due to inactivity. XXXX : Credit card. To be honest this close account from XXXX must be updated to paid as agreed, Current never late, or removed because of the incorrect information being reported which is a violation that can result into a lawsuit Under The Fair Credit Reporting Act and the FDCPA The Fair Debt Collection Practices Act ( FDCPA ) was enacted in 1978 to protect consumers from unfair, deceptive, and abusive debt collection practices. It applies to third-party debt collectors who collect debts primarily for personal, family, or household purposes, such as credit card debt, car loans, medical bills, student loans, and mortgages. The FDCPA prohibits debt collectors from : Contacting debtors at odd hours Making repeated phone calls Threatening legal action that isn't intended Disclosing debts to others Misrepresenting the debt, including the amount owed Claiming to be an attorney Threatening arrest or other actions that aren't legal or that the collector doesn't intend to take Using obscene or profane language Publishing names of people who refuse to pay their debts. This Late payment must be removed by law 15 U.S. Code 1637 15 U.S. Code 1637 - Open end consumer credit plans, ( a ) Required disclosures by creditor Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable : Also my account with XXXX has been closed and I wasnt able to login my online banking and I wasnt never sent a Statement in the mail which was a violation of ( a ) Required disclosures by creditor Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable : ( 7 ) A statement, in a form prescribed by regulations of the Bureau of the protection provided by sections 1666 and 1666i of this title to an obligor and the creditors responsibilities under sections 1666a and 1666i of this title. With respect to one billing cycle per calendar year, at intervals of not less than six months or more than eighteen months, the creditor shall transmit such statement to each obligor to whom the creditor is required to transmit a statement pursuant to subsection ( b ) for such billing cycle. ( b ) Statement required with each billing cycle The creditor of any account under an open end consumer credit plan shall transmit to the obligor, for each billing cycle at the end of which there is an outstanding balance in that account or with respect to which a finance charge is imposed, a statement setting forth each of the following items to the extent applicable : 12 ) Requirements relating to late payment deadlines and penalties. ( A ) Late payment deadline required to be disclosed. In the case of a credit card account under an open end consumer credit plan under which a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment, the periodic statement required under subsection ( b ) with respect to the account shall include, in a conspicuous location on the billing statement, the date on which the payment is due or, if different, the date on which a late payment fee will be charged, together with the amount of the fee or charge to be imposed if payment is made after that date. However the Three credit bureaus never informed me about this late payment as well nor did they give me a chance to opt out, which is violation Under 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 nonaffiliated 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. ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; and the above measures was taken which why this late payment must be removed and the account as will thank you

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