Consumer complaint received 2024-07-09 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: DE

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) [ Bank Address ] [ Bank City ], [ Bank State ], [ Bank Zipcode ] DATELate Payment Deletion DemandUnder the guidelines of the Fair Credit Reporting Act ( 15 USC 1681 ), I demand the below late payment ( s ) be DELETED from my credit reporting agencies profiles : XXXX, I recently received a copy of my consumer report ( Experian, XXXX, XXXX ) on ( insert date the report was pulled ) and I noticed the following late payment ( s ) reporting on my consumer profile. List the late payments that are listed on your consumer profile along with the dates that they occurred.The reporting of these late payments is in violation of 15 USC 1659. Under this law, a creditor may not treat a payment as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor at the address designated by the obligor for that purpose in accordance with regulations of the Bureau.The Bureau of Consumer Financial Protection ( BCFP ) formally the known as the Federal Reserve Board, has set the regulations that state that the payment due date must be at least 21 days after the statement is mailed or delivered to the consumer.On this account, the reporting of a late payment was inaccurate. On the below validation of the required notices and mailings, you will clearly see that the payment due date was not 30 days. The required disclosures of the account terms were mailed to me and the account was opened on ( insert date account was opened ) .Please refer to the following validation of required notices and mailings.Attach copies of the required notices and mailings with the date clearly visible. In order to be in compliance with this request, all required documentation should be included, with no omissions or deletions of any information or form content.The only way for you to validate a late payment is to ensure that 15 USC 1666b procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. The account should have been reported as a late payment on ( insert date payment was actually late ) .I have highlighted the late payments that were incorrectly reported on my consumer report. I demand that you correct this error immediately or be subject to legal action under the Fair Credit Reporting Act. In addition, I demand a refund for all late fees that were associated with the above highlighted late payments that were incorrectly assessed.Sincerely,

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