Consumer complaint received 2024-04-25 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: NY

Complaint narrative:
This account was disputed previously, and they did not enter a notice of dispute. They did not investigate account. Update account to NEVER late. The account was not late. This is inaccurate and inconsistent across all bureaus. Please verify, this is inaccurate. 15 USC code 1666B timing of payments ( a ) time to make payments a creditor may not see a payment on a credit card account under an open and consumer credit plan as late for any purpose unless the creditor has adopt, a reasonable procedure is designed to ensure that each periodic statement, including the information required by section 1637 be of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date I have not received a statement required with each billing cycle the outstanding balance in the account at the beginning of the statement ; the amount and date of each extension of a credit during the period and a brief identification, on or accompanying the statement of each extension of credit in a form prescribed by the bureau sufficient to enable the other girl either, its identify the transaction or to relay it to copies of cells, vouchers or similar instruments, previously furnish, except that a creditors failure to disclose such a summation in accordance with this paragraph should not be XXXX a failure to comply with this part or the subchapter is a creditor maintains procedures, reasonably to adapt to proceed and provide such information and be the creditor response to an treat any inquiry for clarification or documentations as a billing error and erroneously build amount under section 15 usc 1666 of the title. Furthermore, I am requesting that you provide me with in writing the reasonable procedures according to 15 USC 1666B that you have adapted to sure that each periodic statement is melting me the consumer not later than XXXX  days before the payment duty 15 USC 1681e compliance procedures be accuracy of a port whenever and Consumer put a agencies prepares a consumer report is your follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report released I need a tracking number and a copy of notice required under section 16, XXXX that was sent to me if you can not furnaces information this late payment is an accurate and XXXX  my rights under the FCRA seashell, not furnish incorrect in accurate information and unverified from the creditor. This late payment MUST be updated to PAANL STATUS. This is defamation to my character. 15 US code 1681s2 ( A ) states a person Shall not furnish any information relating to a consumer to any Consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 US code 1681e states Every Consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures also 12 CFR 1016.7 states that Consumer may exercise the right to opt out at any time. I am now opting out of your reporting services.

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