Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Experian, XXXX, XXXX ] DISPUTE DETAILS ( Structured in XXXX XXXX XXXX for Each Account ) Each section below provides detailed information on the disputed items for each account, including relevant XXXX XXXX XXXX, XXXX codes, and legal bases under XXXX Code XXXX XXXX. XXXX and pertinent case law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Incorrectly Reported Late Payments Disputed Item : Late payments inaccurately reported for [ Specify Months, e.g., XXXX, XXXX, XX/XX/XXXX ]. Billing statements for these months were not received within the mandatory notice period, making the late fee and delinquency reporting invalid. 

XXXX XXXX Fields and e-OSCAR Codes : Account Status Code : XXXX Paid as Agreed Payment Rating Code : Adjust to remove late payment indicators and reflect Current Special Comment Code : XR Account Re-aged due to dispute e-OSCAR Dispute Codes : XXXX Disputes present/previous Account Status/Payment History Profile/Payment Rating. 
XXXX Claims late due to non-receipt of statement within the legally mandated XXXX notice period. 
Legal Basis for Correction : XXXX U.S.C. XXXX ( b ) ( Fair Credit Billing Act - FCBA ) : Requires creditors to send billing statements at least 21 days before the payment due date to apply any late fees or report delinquencies. In this case, failure to send timely statements renders the late payment reporting invalid. 
XXXX XXXX. XXXX ( b ) ( XXXX ) : Mandates that each monthly statement disclose the payment due date clearly to avoid late fees, ensuring consumer awareness. 
XXXX XXXX. XXXX ( b ) : Requires that credit reporting agencies and furnishers maintain maximum accuracy of reported information. 
Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - Reinforces the importance of accurate and timely billing for consumer protection. 
Requested Correction : Remove all incorrectly reported late payments for [ Specify Months ] and update the account status to Paid as Agreed with a Current payment rating. The correction should remove derogatory notations in compliance with XXXX XXXX. XXXX ( b ), XXXX ( b ) ( XXXX ), and XXXX ( b ). 

XXXX. Inconsistent Status Reporting Disputed Item : The account status for XXXX XXXX XXXX XXXX XXXX Bank is inconsistently reported as both Closed and Derogatory, leading to inaccurate and conflicting credit report data. 

XXXX XXXX Fields and e-OSCAR Codes : Account Status Code : XXXX Closed/Current Compliance Condition Code : XXXX Account in dispute resolution Special Comment Code XXXX XXXX  Account information disputed by consumer e-OSCAR Dispute Codes : XXXX Disputes Dates of Last Payment/Opened/First Delinquency/Billing/Closed XXXX Claims account closed by consumer Legal Basis for Correction : XXXX U.S.C. XXXX ( b ) : This provision mandates that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. 
XXXX XXXX. XXXX ( a ) ( XXXX ) : Furnishers of information are required to avoid knowingly reporting inaccurate information to credit bureaus. 
Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) - Establishes the obligation for furnishers to report accurate and consistent account status to protect consumers from misleading information. 
Requested Correction : Correct the account to reflect Closed with a Paid as Agreed status. This correction should eliminate the conflicting Derogatory mark to accurately represent the accounts final state, ensuring compliance with XXXX XXXX. XXXX ( b ) and XXXX ( a ) ( XXXX ). 

ACCOUNT XXXX : XXXX XXXX XXXX - ACCOUNT # XXXX XXXX. Incorrectly Reported Late Payments Disputed Item : Late payments inaccurately reported for [ Specify Months, e.g., XXXX, XXXX, XX/XX/XXXX ] due to delayed billing statements, making the reported delinquencies invalid. 

XXXX XXXX Fields and e-OSCAR Codes : Account Status Code : XXXX Paid as Agreed Payment Rating Code : Adjust to remove late payment indicators and reflect Current Special Comment Code : XR Account Re-aged due to dispute e-OSCAR Dispute Codes : XXXX Disputes present/previous Account Status/Payment History Profile/Payment Rating XXXX Claims late due to non-receipt of statement within the legally mandated XXXX notice period Legal Basis for Correction : XXXX U.S.C. XXXX ( b ) ( Fair Credit Billing Act - FCBA ) : Requires XXXX advance mailing of statements before the payment due date, a standard not met in this case, making the reported late payment invalid. 
XXXX XXXX. XXXX ( b ) ( XXXX ) : Mandates that monthly statements must clearly disclose the payment due date to avoid late fees. 
XXXX XXXX. XXXX ( b ) : Mandates credit agencies to report accurate consumer data. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX accurate and timely billing, reinforcing these consumer protections. 
Requested Correction : Remove all reported late payments for [ Specify Months ] and update the account to Paid as Agreed with a Current rating, adhering to XXXX XXXX. XXXX ( b ), XXXX ( b ) ( XXXX ), and XXXX ( b ). 

XXXX. Unauthorized Reporting of Transaction History and Utilization Rates Disputed Item : Transaction history and utilization rates reported without express consumer consent. 

XXXX XXXX Fields and e-OSCAR Codes : Account Type : Revolving Special Comment Code : XXXX XXXX XXXX, Privacy Regulation Violation Compliance Condition Code : XXXX XXXX disputes transaction reporting on privacy grounds e-OSCAR Dispute Codes : XXXX Claims inaccurate information regarding transaction and utilization reporting Legal Basis for Correction : XXXX U.S.C. XXXX ( XXXX XXXX ) : Prohibits the disclosure of nonpublic personal information to third parties without explicit consent. 
XXXX CFR XXXX : Regulates the sharing of sensitive financial data without opt-in consent. 
XXXX XXXX. XXXX : Limits permissible purposes for furnishing consumer reports, ensuring that private transaction information is protected. 
Case Law : XXXX XXXX XXXX Banking XXXX XXXX XXXX XXXX VA- This ruling emphasizes the necessity of privacy protections in credit reporting practices. 
Requested Correction : Remove all transaction history and utilization rate data for this account from my credit report, as this information is protected under XXXX XXXX. XXXX and XXXX and should not be disclosed without my express consent. 

SUMMARY OF REQUESTED ACTIONS AND DOCUMENTATION In accordance with XXXX U.S.C. XXXX, I am requesting a comprehensive reinvestigation and correction of each item listed for both accounts. These corrections should be made in compliance with XXXX XXXX standards, FCRA, and XXXX XXXX requirements to maintain accuracy, completeness, and privacy. 

Attached Documentation : Highlighted Credit Report Sections : Identifying each disputed item. 
Supporting Documents : Cardmember Agreement excerpts relevant to each dispute. 
Proof of Identity : Government-issued ID for verification. 
REQUEST FOR CONFIRMATION AND TIMELY RESPONSE Please confirm receipt of this dispute and provide a written confirmation of each correction within the XXXX statutory period mandated by FCRA. If further clarification is needed, please contact me directly. 

Thank you for your attention to these corrections, and I look forward to a timely and compliant resolution. 

Sincerely, [ Your Full Name ] [ Your Contact Information : Phone and Email ] DISPUTE SUMMARY TABLE ( For Internal Processing by Data Furnisher and CRA ) Dispute Item Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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