Consumer complaint received 2024-07-25 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: TN

Complaint narrative:
RE : I WAS NEVER LATE ON THESE ACCOUNTS. 

I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payme from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.

The amount and date of each extension of 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 obligor either to identify the transaction or to relate it to copies of sales vouchers or similar instruments previously furnished, except that a creditors failure to disclose such information in accordance with this paragraph shall not be deemed a failure to comply with this part or this subchapter if ( A ) the creditor maintains procedures reasonably adapted to procure and provide such information, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section 1666 of this title. In lieu of complying with the requirements of the previous sentence, in the case of any transaction in which the creditor and seller are the same person, as defined by the Bureau, and such persons open end credit plan has fewer than 15,000 accounts, the creditor may elect to provide only the amount and date of each extension of credit during the period and the sellers name and location where the transaction took place if ( A ) a brief identification of the transaction has been previously furnished, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section 1666 of this title.

I NEED YOU TO INVESTIGATE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX PLEASE UPDATE THIS TO PAID AS AGREED. 

XXXX XXXX ACCOUNT # XXXX PLEASE UPDATE THIS TO PAID AS AGREED. 

XXXX XXXX ACCOUNT # XXXX PLEASE UPDATE THIS TO PAID AS AGREED. 


I WAS NEVER LATE ON ANY ACCOUNTS LISTED ABOVE. THESE ALLEGED LATE PAYMENTS ARE FALSE AND INACCURATE AND I DEMAND A FULL INVESTIGATION AND THEY BE REMOVED FROM MY CREDIT REPORT IF THEY CAN NOT SUPPLY PROPER DOCUMENTATION. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report per 16 CFR 444.4 ( a ) In connection with collecting a debt arising out of an extension of credit to a consumer in or affecting commerce, as commerce is defined in the Federal Trade Commission Act, it is an unfair act or practice within the meaning of section 5 of that Act for a creditor, directly or indirectly, to levy or collect any deliquency charge on a payment, which payment is otherwise a full payment for the applicable period and is paid on its due date or within an applicable grace period, when the only delinquency is attributable to late fee ( s ) or delinquency charge ( s ) assessed on earlier installment ( s ).

( b ) For purposes of this section, collecting a debt means any activity other than the use of judicial process that is intended to bring about or does bring about repayment of all or part of a consumer debt.

NOT ONLY ARE YOU IN VIOLATION OF 16 CFR 444.4, BUT YOU ARE ALSO VIOLATING MY RIGHTS IN ACCORDANCE WITH THE FCRA FOR THESE ALLEGED LATE PAYMENTS NEED TO BE INVESTIGATED, REMOVED AND UPDATED ACCORDING TO 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHTS TO PRIVACY.

15 USC 1681 SECTION 604A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT Y WRITTEN INSTRUCTIONS.

15 USC 1666B ALSO STATES A CREDITOR MAY NOT TREEAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR A PURPOSE. 
THIS IS CLEARLY A VIOLATION OF MY RIGHTS AND I WILL TAKE FURTHER ACTION TO MAKE SURE MY RIGHTS ARE BEING PROTECTED. ONCE YOU HAVE FINISHED YOUR PROPER INVESTIGATION, SEND ME AN UPDATED CREDIT REPORT TO THE ADDRESS STATED ABOVE.

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