Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent Experian this letter once I saw the inaccurate information : RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Guys, recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts for XX/XX/year>. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed/paid on time on my consumer report : Account name : XXXX XXXX XXXXXXXX : Payment history : XXXX XXXX 30 days late I attached factual evidence that this account is reported as paid on time/current and never late by XXXX AND XXXX for XX/XX/year> As a consumer by law these accounts on this letter must be updated to paid on time/never late or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated . Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 



Experian said, " The company that reported the information has certified to Experian that the information is accurate. 

I responded to Experian with an Affidavit : AFFIDAVIT OF FACT AND TRUTH State of XXXX XXXX of XXXX PLAINTIFF 'S NAME Plaintiff, XXXX. 
DEFENDANT 'S NAME Defendant, Experian CASE NO : To be announced XXXXXXXX XXXX  : To be announced FOR THE PURPOSE OF EXPERIAN Falsely representing the character in violation I,, residing at { }, being of sound mind and legal age, hereby swear and affirm the following facts to be true, accurate, and complete to the best of my knowledge. 


Subject of Dispute This affidavit concerns the inaccurate reporting by Experian regarding my XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). These inaccuracies violate Experians obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy of consumer credit information. 

The inaccuracies are as follows : XXXX. I paid on time on XX/XX/year> and XXXX and XXXX reflect on time payment, but Experian has it inaccurately reported 30 days late. 

XXXX. INTRODUCTION AND PURPOSE This affidavit is executed to dispute that Experian is Falsely representing the character asserting the late payment is valid without verification even after I showed evidence that XXXX and XXXX shows this same account as paid on time and never late. 

XXXX. Inaccurate Reporting of XX/XX/year> payment I sent Experian proof of my on time payment that XXXX and XXXX for the same account for XX/XX/year>, and they willful noncompliance under 15 U.S.C. 1681 Please remove this inaccurate information from my credit report Details of the Disputed Account Below is the details of the disputed account as reported by Experian : FCRA Compliance and Notification This affidavit serves as my formal dispute under 12 U.S.C. 16811, which requires credit reporting agencies to reinvestigate disputed information. I am providing this affidavit as a good-faith effort to resolve this matter directly with Experian. 


Notice of Willful Noncompliance If Experian fails to correct or remove the inaccurate information or conduct a reasonable reinvestigation as required by law, this will be interpreted as a willful noncompliance under 15 U.S.C. 1681. Additionally, willful noncompliance may constitute a form of fraud, as it knowingly perpetuates the dissemination of false and damaging information despite being notified of its inaccuracy. 

Fraudulent reporting and failure to adhere to federal statues will be treated as such and addressed through appropriate legal channels, including potential litigation. Experian could be held liable for : -Statutory damages -Punitive damages -Actual damages caused by these inaccuracies -Attorney fees and court costs ________________________________________________________________________________________ Request for Correction or Removal I request that Experian : Conduct a thorough reinvestigation of the disputed information.

Correct or delete all inaccurate information from my credit file as mandated by the FCRA Provide me with a detailed summary of the investigation results. 

________________________________________________________________________________________ Opportunity to Resolve This affidavit is my effort to provide Experian with the opportunity to resolve this matter amicably. I expect Experians full compliance within 30 days of receipt of this affidavit. Failure to comply will leave me with no choice but to escalate this matter, including filing complaints with : -The Consumer Financial Protection Bureau ( CFPB ) -The Federal Trade Commission ( FTC ) -The State Attorney Generals Office -Possible legal proceedings in federal court.

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