Consumer complaint received 2025-03-12 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Block Adverse Information from My Credit Profile I am writing to formally request that adverse information resulting from identity theft or fraudulent activity be blocked from my credit report under the provisions of the XXXX XXXX Protection Act ( TVPA ) and the Fair Credit Reporting Act ( FCRA ). 
As a victim of XXXX XXXX, I have experienced financial harm, including fraudulent use of my identity. I understand that under federal law, credit reporting agencies are required to block adverse information caused by XXXX activity when provided with the appropriate documentation. 

This Account Is Fraudulent : XXXX Account # XXXX Open XXXX Balance : {$600.00} These Inquiries Are Innaccurate : XXXX XXXXXXXX XXXXXXXX XXXX XXXX THESE ACCOUNTS/INQUIRIES IS IN A VIOLATION OF FCRA. 
15 USC 1692C Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 


15 USC 6802 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option 15 USC 6802 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

15 USC 1681 ( A ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). 






THESE LATE PAYMENT IS INACCURATE AND NEEDS TO BE REMOVE IMMEDIATELY And Put Back To On TIME PLEASE!! 


XXXX XXXX Balance : {$600.00} Open XXXX Account # XXXX Late Payment dates : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$850.00} Account # XXXX XXXX XXXX XXXX Payment Days : XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX : XXXX Balance : {$430.00} These Are The Late Payment Days : XXXXXXXX XXXX XXXX This Is A violation Of FCRA LAW.

15 USC 1666B ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan 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 consumer not later than 21 days before the payment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 


The XXXX XXXX ( XXXX ) is a law that protects consumer financial information and regulates how financial institutions can share customer data. The XXXX was passed in XXXX. 
Financial institutions must disclose how they share customer information Financial institutions must protect sensitive customer data Financial institutions must create, maintain, and implement an information security program Customers must be able to opt out of sharing their information with certain third parties.

Enclosed, I have included the following required documentation : 1. Dispute Letter 2. A valid government-issued ID 3. Victim Documentation 4. A copy of my Written Statement IM DEMANDING THESE ACCOUNTS AND INQUIRIES BE REMOVE/DELETE And Remove/ PUT TO CURRENT.These Late Payments NEEDS TO BE PUT BACK TO On Time.I would appreciate Ii If You Send Me A Copy Of The Full Disclosure With Permission and consent with written Signature Of THIS ACCOUNT and PLEASE SEND ME THE FULL INVESTIGATION Of DOCUMENTS OF THE ACCOUNTS BEING REPORTED AS VERIFIED I'm Requesting ALL PAPERWORK PROVEN THAT THIS ACCOUNT BELONGS TO ME AND A COPY OF THE INVESTIGATION RESULTS OF HOW YOU VERIFIED THIS ACCOUNT AS ACCURATE. THIS BEEN GOING ON FOR A FEW MONTHS AND NEEDS TO BE RESOLVE IMMEDIATELY OR FURTHER COURT ACTIONS ARE GOING TO BE SUBMITTED DO TO THESE FCRA LAW VIOLATIONS PLEASE A Written Confirmation When The Information has been blocked from my credit profile. 
Thank you for your time and assistance in this matter.

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