Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
Account Information : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX Balance : {$4400.00} ( as of XX/XX/XXXX ) Credit Limit : {$4200.00} Highest Balance : {$4400.00} Status : Collection Account Late Payment History : 30 days late for multiple months as seen in the payment history for XXXX and XXXX. 
Dispute Summary : I am writing to dispute the late payment entries on my XXXX XXXX account. The account was reported as 30 days past due for several months, and I believe that these late payments were inaccurately reported, and do not reflect my true payment history. 

I have never received clear or adequate communication from XXXX or XXXX XXXX about these late payments, nor did I consent to the reporting of these late payments in such a manner. Additionally, I did not receive proper notice of late fees or any other information that would justify the reported late payments. I am requesting that the late payments be removed from my credit report.

Consumer Law Violations : Fair Credit Reporting Act ( FCRA ) : Section 1681i ( Reinvestigations of Disputed Information ) : I dispute the accuracy of the late payment entries, and these must be corrected as per the FCRA. XXXX or their agents have failed to correct these inaccuracies despite my dispute.

Section 1681e ( b ) ( Accuracy of Credit Report Information ) : The reporting of late payments violates the accuracy requirement under the FCRA, as the information provided does not reflect my actual payment behavior. 
Section 1681s-2 ( b ) ( Duty of Furnishers of Information ) : As the furnisher of this account information, XXXX XXXX did not fulfill its duties to investigate the dispute and provide accurate data to the credit reporting agencies, violating the FCRA. 
Fair Debt Collection Practices Act ( FDCPA ) : Section 807 ( False or Misleading Representations ) : XXXXXXXX XXXX violated the FDCPA by making false representations regarding my payment history without providing proper verification or documentation to support their claims.

Section 809 ( Validation of Debts ) : I was not given adequate validation of the alleged late payments, in violation of the FDCPAs requirement for creditors to validate debts before reporting them to credit agencies. 
Truth in Lending Act ( TILA ) : Under TILA, creditors are required to clearly disclose the terms of any late fees and provide written notice when a late payment is reported. XXXX failed to comply with TILA, as I did not receive proper notice of late fees or payment discrepancies. 

Consumer Law Violations : Fair Credit Reporting Act ( FCRA ) : Section 1681i ( Reinvestigations of Disputed Information ) : I dispute the accuracy of the late payment entries, and these must be corrected as per the FCRA. XXXX or their agents have failed to correct these inaccuracies despite my dispute. 
Section 1681e ( b ) ( Accuracy of Credit Report Information ) : The reporting of late payments violates the accuracy requirement under the FCRA, as the information provided does not reflect my actual payment behavior.

Section 1681s-2 ( b ) ( Duty of Furnishers of Information ) : As the furnisher of this account information, XXXXXXXX XXXXXXXX  did not fulfill its duties to investigate the dispute and provide accurate data to the credit reporting agencies, violating the FCRA.

Fair Debt Collection Practices Act ( FDCPA ) : Section 807 ( False or Misleading Representations ) : XXXXXXXX XXXX violated the FDCPA by making false representations regarding my payment history without providing proper verification or documentation to support their claims.

Section 809 ( Validation of Debts ) : I was not given adequate validation of the alleged late payments, in violation of the FDCPAs requirement for creditors to validate debts before reporting them to credit agencies.

Truth in Lending Act ( TILA ) : Under TILA, creditors are required to clearly disclose the terms of any late fees and provide written notice when a late payment is reported. XXXX failed to comply with TILA, as I did not receive proper notice of late fees or payment discrepancies.

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