Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting 60 days late payment but in the payment history guide it is reporting two 30 ' day 's late payment and that is inaccurate/ invalid/ not validated. I was never late for this account I made sure my payments is on time with auto pay this is a billing error or misleading and false report. I want supporting documents that show and explain that I was late. I want copies of the notice that you sent to make a payment that I was supposed to receive within 21 days. I am writing to address inaccuracies in the reporting of late payments on my credit card account under the provisions of 15 USC 1666b ( a ) regarding the time to make payments. It has come to my attention that late payments have been reported despite the fact that your company has not adhered to the requirements outlined by the law.

According to 15 USC 1666b ( a ), a creditor may not treat a payment as late unless reasonable procedures have been adopted to ensure that each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date. I have not received any such notice within the specified timeframe, indicating that your company has failed to meet the legal requirements for reporting late payments. 
In order to validate these errors and ensure compliance with the law, I am requesting the following documentation from your company : A copy of the original notice that your company XXXX XXXX sent within 21 days of the payment due date.

The notice pertaining to section 1637 ( b ) of the law, delivered before 21 days of the due date. 
Proof of delivery or mailing of the notice at least 21 days before the due date. 
Certification that all credit bureaus received accurate information regarding late payments, including a certified copy of any document stating that I was late on a specific day and no payment was made. 
Violated 15 usc 1637 b ( 10 ) The address to be used by the creditor for the purpose of receiving billing inquiries from the obligor. ( I never received anything in mailed or got any mailed delivered. ) Violated 15 usc 1637 ( 11 ) ( iv ) a toll-free telephone number at which the consumer may receive information about accessing credit counseling and debt management services ( b ). I was never aware of this or your company didnt present this to me as a member as I should be treated as such. 
Your company is reporting XX/XX/XXXX and XX/XX/XXXX, as late payments and if your company is reporting late for those days I want copies of the original notice that your company supposed to send out to members before 21 days of the due date and nothing was delivered or mailed to my address AT ALL and 15 usc 1666b ( a ) explained clearly about the guidelines. Failure to provide the requested documentation would indicate a violation of my consumer rights by reporting inaccurate information. As mandated by law, any creditor or credit agency must report 100 % accurate information, and your company 's failure to meet the guidelines outlined in 15 USC 1666b raises serious concerns about the integrity of the reported information. I also had to send in records when my job was under renovation and my hours were cut. My job sent me a letter for a lay off due to renovation and I called in and explained my hardship. I want documents of all the letters that I sent when this account first delinquent. At this point your company does NOT appreciate abiding by the law. 
If the requested proof of documents can not be provided, it implies that there were no late payments from the beginning, and any credit agency reporting late payments may be a result of misleading or false reporting with late payments. I hereby request that all information be updated, modified, or deleted immediately in accordance with 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I expect a prompt response to this matter and by law under 15 usc 1681 ( b ) content ( 8 ) Expedited dispute resolution the resolution of the inaccuracies on my credit report. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request that this matter be investigated and resolved within the stipulated time frame. I am enclosing copies of relevant documents supporting my claim and request for investigation. 
Please investigate this matter at your earliest convenience and inform me of the results of your investigation. I appreciate your prompt attention to this matter and the correction of these inaccuracies on my credit report. 
Thank you for your time and cooperation in resolving this issue.

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