Consumer complaint received 2025-03-09 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: AL

Complaint narrative:
This complaint to the CFPB due to inaccurate items reporting on my consumer credit report without proper notice and procedure which violates my rights as a consumer and ultimately damages my creditworthiness due to improper/false/inaccurate information being reported. In which I had been denied several financial products because of these negative items being reported on my credit report when I tried to have this resolved with the creditors as well as the credit reporting agencies ( Experian, Equifax, XXXX. ) and data furnishers, In which Equifax closed a dispute replying the couldn, t find my credit file which is false because I monitor my credit report through their website and have active credit profile. According to Consumer protection laws which indeed the CFPB exists to ensure protection of the consumer and the United States Constitution I was not properly notified according to 15 USC 1666 ( b ) Timing Of Payments, I as the consumer never given any statement which included the amount of the finance charge for the period was mailed not later than 21 days before the date specified in the the statement by which payment must be made in order to avoid imposition of that finance charge. My consumer rights were violated and I was discriminated against according to 15 USC 6802 ( b ), ( c ), ( d ), ( e ) 2 any never given respect to disclosure of personal information, I as the consumer was never given any notice of Opting Out of my nopublic information being shared nor gave my consent as the consumer, such as ( account numbers name, address, transaction history between the creditor/consumer, and etc. ) Notice of Fequirements, Limits of reuse on information, Limits on the sharing of Account number information for marketing purposes, as well as in the consonsmer Financial Right to Privacy Act of 1978 has been discriminated against, as well as the Code Of Regulations ( 12 CFR 40.1 ). According to the Fair Credit report Act negative items due to error such as improper notices and inaccurate reporting items must be removed with written instruction from the consumer. I as the consumer ask that all negative transaction history be removed ( late payments ) for the each account listed in this complaint fpr failure to comply with FCRA rules I as the consumer was never properly, promptly on time notified, never gave my ( being the consumer ) consent to share and put such inaccurate information on my consumer report discriminating against my credit worthiness. I as the consumer never opted in any online notification only written by mailed and I as the consumer never received timely written notice which I as the consumer ask the the payment history of these said accounts be updated as Paid As Agreed Never Late as my accurate consumer report should have being reported to reflect my true creditworthiness or send proof including their as the ( creditors ) bank statements were they have defaulted on time of payments on my behalf. I would like Equifax to update my credit file as well which they are currently reporting false/inaccurate information by closing a dispute to said reason of cant find my credit profile when the have my consumer report on file and Ive attached my Equifax consumer report summary as proof Equifax is intentionally making a false statement to discriminate against my credit worthiness.

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