Consumer complaint received 2024-11-06 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:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Email : XXXX [ XX/XX/year> ] Chrysler Capital XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Demand for Immediate Removal of Inaccurate Late Payment Reporting Due to Noncompliance with Federal Laws Dear Chrysler Capital Customer Support Team, I am writing to formally dispute and demand the removal of an inaccurate late payment reported on my credit record by Chrysler Capital on XX/XX/year>. This report has negatively impacted my credit and is based on procedural and legal errors by Chrysler Capital that infringe upon my rights under federal law, specifically 15 U.S. Code 1681. Despite my initial dispute and submission of supporting evidence, Chrysler Capital has failed to meet its legal obligations. I am requesting immediate corrective action, as detailed below. 

Background and Payment History On XX/XX/year>, I made a payment of {$1600.00} to my Chrysler Capital account. On XX/XX/year>, I subsequently made another payment using XXXX, a bill pay service, due to limited access to funds through other methods at the time. I had previously arranged a payment plan with XXXX XXXX that extended to XX/XX/year>. These payments demonstrate that I have made consistent efforts to remain in good standing. 

However, despite these timely payments and the existing payment arrangement, XXXX XXXX reported my account as 30 days late on XX/XX/year>, and subsequently failed to take corrective action when I disputed this reporting. 

Procedural Violations and Federal Noncompliance 1. Failure to Deliver Statements ( 1026.13 ) : Under CFPB Regulation 1026.13 ( b ), Chrysler Capital is required to deliver periodic statements to the consumers last known address if that address was on file at least 20 days before the billing cycles end. My statements were either not sent or were sent to an incorrect email address, thus denying me the opportunity to address the issue in a timely manner. 
2. Noncompliance with 1681e Compliance Procedures : ( a ) Identity and Purposes of Credit Users : XXXX XXXX is required to maintain reasonable procedures to avoid violations and ensure the accuracy of information reported under 1681c and 1681b. By inaccurately reporting my account as late, XXXX XXXX failed to fulfill this obligation. 
( b ) Accuracy of Report : XXXX XXXX is responsible for ensuring maximum possible accuracy in consumer reporting. Given my payment history, reporting my account as 30 days late is inaccurate and reflects a lack of reasonable procedures. 
XXXX. Violation of 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information : XXXX XXXX is further in violation of 1681s2 : ( a ) ( 1 ) ( A ) Reporting Information with Knowledge of Errors : XXXX XXXX is prohibited from reporting inaccurate information to consumer reporting agencies if it knows or has reasonable cause to believe the information is incorrect. 
( a ) ( XXXX ) ( B ) Reporting Information After Notice of Errors : XXXX XXXX must refrain from reporting information disputed as inaccurate. I submitted a written dispute, but XXXX XXXX has continued to report this damaging and incorrect information. 
4. Violation of 15 U.S. Code 1681i - Procedure in Case of Disputed Accuracy : Under 1681i : ( 5 ) Treatment of Inaccurate or Unverifiable Information : If, after investigation, disputed information is found to be inaccurate or unverifiable, it must be promptly deleted or modified. XXXX XXXX conducted only a superficial investigation over XXXX days, after which it inaccurately asserted that the information was verified. This limited review did not meet federal standards for thoroughness or accuracy. 
XXXX. Failure to Address Dispute Filed on XX/XX/year> : I submitted a formal dispute with XXXX XXXX XXXX department on XX/XX/year>. Despite my clear evidence and the billing errors on XXXX XXXX  part, your team dismissed my claim with an inadequate response, further compounding the harm caused by the initial error. The swift, superficial investigation conducted over a mere XXXX days failed to consider the full extent of my evidence, demonstrating XXXX XXXX  failure to take my dispute seriously. 

Given XXXX XXXX  procedural oversights and non-compliance with these federal requirements, I demand the immediate removal of the inaccurate late payment from my credit report. If this matter is not resolved promptly, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Please confirm receipt of this request and provide information regarding the next steps. I look forward to a timely and fair resolution. Thank you for your attention to this important matter. 

Sincerely, 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