Consumer complaint received 2024-08-08 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:
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} Status : Open The method used to verify the accuracy of the information. 
The name and contact information of the person or entity that provided the information. 
Any documentation or evidence used to verify the accuracy of the information REMOVE AND DELETE THE LATE PAYMENTS IMMEDIATELY UNDER FCRA 15 U.S. code 1666B. You can not treat a late payment as a transaction. Remove late payment especially when there is Information that is not verifiable. 15 usc 1681i ( a ) ( e ), 15 usc 16802B.

15 usc 1692c. ( 15 usc 6801 ) Protection of nonpublic personal information ( a ) Privacy obligation policy, and ( b ) Financial institution safeguards. 


XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Closed The method used to verify the accuracy of the information. 
The name and contact information of the person or entity that provided the information. 
Any documentation or evidence used to verify the accuracy of the information XXXX Date Opened : XX/XX/XXXX Balance : - Status : Paid, Closed The method used to verify the accuracy of the information. 
The name and contact information of the person or entity that provided the information. 
Any documentation or evidence used to verify the accuracy of the information REMOVE AND DELETE THE LATE PAYMENTS IMMEDIATELY UNDER FCRA 15 U.S. code 1666B. You can not treat a late payment as a transaction. Remove late payment especially when there is Information that is not verifiable. 15 usc 1681i ( a ) ( e ), 15 usc 16802B.

15 usc 1692c. ( 15 usc 6801 ) Protection of nonpublic personal information ( a ) Privacy obligation policy, and ( b ) Financial institution safeguards. 


XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Status : Closed The method used to verify the accuracy of the information. 
The name and contact information of the person or entity that provided the information. 
Any documentation or evidence used to verify the accuracy of the information 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ) .15 U.S.C. 1681i ( a ) ( 5 ) ( B ), For the phrase person who furnishes the information, some argue that this provision applies only to furnishers regulated under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} Status : Account charged off The method used to verify the accuracy of the information. 
The name and contact information of the person or entity that provided the information. 
Any documentation or evidence used to verify the accuracy of the information 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ) .15 U.S.C. 1681i ( a ) ( 5 ) ( B ), For the phrase person who furnishes the information, some argue that this provision applies only to furnishers regulated under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Status : Account charged off The method used to verify the accuracy of the information. 
The name and contact information of the person or entity that provided the information. 
Any documentation or evidence used to verify the accuracy of the information 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ) .15 U.S.C. 1681i ( a ) ( 5 ) ( B ), For the phrase person who furnishes the information, some argue that this provision applies only to furnishers regulated under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - Status : Paid, Closed The method used to verify the accuracy of the information. 
The name and contact information of the person or entity that provided the information. 
Any documentation or evidence used to verify the accuracy of the information 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ) .15 U.S.C. 1681i ( a ) ( 5 ) ( B ), For the phrase person who furnishes the information, some argue that this provision applies only to furnishers regulated under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} Status : Account charged off The method used to verify the accuracy of the information. 
The name and contact information of the person or entity that provided the information.

Any documentation or evidence used to verify the accuracy of the information 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ) .15 U.S.C. 1681i ( a ) ( 5 ) ( B ), For the phrase person who furnishes the information, some argue that this provision applies only to furnishers regulated under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) REMOVE AND DELETE THE LATE PAYMENTS IMMEDIATELY UNDER FCRA 15 U.S. code 1666B. You can not treat a late payment as a transaction. Remove late payment especially when there is Information that is not verifiable. 15 usc 1681i ( a ) ( e ), 15 usc 16802B.

15 usc 1692c. ( 15 usc 6801 ) Protection of nonpublic personal information ( a ) Privacy obligation policy, and ( b ) Financial institution safeguards. 


DEPT OF EDUCATIONXXXX ( Multiple Entries ) Dates Opened : Various ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Balance : - Status : Paid, Closed The method used to verify the accuracy of the information. 
The name and contact information of the person or entity that provided the information. 
Any documentation or evidence used to verify the accuracy of the information 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ) .15 U.S.C. 1681i ( a ) ( 5 ) ( B ), For the phrase person who furnishes the information, some argue that this provision applies only to furnishers regulated under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) Fair Credit Billing Act ( FCBA ) Purpose : To protect consumers from unfair billing practices and to provide a mechanism for addressing billing errors. 
Key Provisions : Consumers can dispute billing errors on their credit card accounts and withhold payment on damaged goods or services purchased with a credit card. 
Equal Credit Opportunity Act ( ECOA ) Purpose : To prevent discrimination in credit transactions. 
Key Provisions : Creditors can not discriminate against applicants based on race, color, religion, national origin, sex, marital status, age, or because they receive public assistance.

Fair Credit Reporting Act ( FCRA ) Purpose : To ensure the accuracy, fairness, and privacy of consumer information contained in the files of credit reporting agencies. 
Key Provisions : Consumers have the right to access their credit reports, dispute inaccurate information, and have erroneous data corrected. 
Section 611 ( a ) ( 5 ) ( B ) ( i ) : Certification of Accuracy of Information.

15 U.S.C. 1681e ( b ) : Compliance Procedures.

15 U.S.C. 1681i ( 5 ) : Reinvestigations of Disputed Information.

15 U.S.C. 1681b ( 2 ) and 15 U.S.C. 1681s-2 ( F ) ( I ) : Unauthorized Reporting.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( 4 ) ( 5 ) ( I ) ( ii ) : Dispute Resolution.

15 U.S.C. 1681n : Civil Liability for Willful Noncompliance.

15 U.S.C. 1681 Section 602 : Right to Privacy.

15 U.S.C. 1681 Section 604 ( a ) Section 2 : Unauthorized Furnishing of Accounts.

15 U.S.C. 1666B ( a ) section ( b ) and 15 U.S.C. 1637a ( a ) : Incorrect Treatment of Late Payments.

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 non-monetary relief