Consumer complaint received 2024-12-30 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: CO

Complaint narrative:
Complaint Title : Violations of 15 USC 1666b and 15 USC 1681 by XXXX XXXX XXXX XXXX XXXX XXXX  ) and the Three Major Credit Bureaus Account in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Complaint Details This complaint is filed against XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for violations of 15 USC 1666b, and against Experian, XXXX, and XXXX for violations of 15 USC 1681 related to inaccuracies and discrepancies in their reporting of this account. Additionally, I demand that the credit bureaus provide documentation from XXXX XXXX XXXX  as part of their investigation results. 

Violation 1 : Failure to Comply with 15 USC 1666b by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting late payments on my account despite failing to send or deliver billing statements at least 21 days before the payment due date, as required under 15 USC 1666b.

This failure has directly resulted in inaccurate late payment reporting to the credit bureaus, which is both unlawful and misleading. 
I demand that XXXX XXXX XXXX : Provide written confirmation of their compliance ( or non-compliance ) with 15 USC 1666b, including : Their process for mailing billing statements.

Validation that billing statements were sent at least 21 days prior to the due date for each payment reported as late. 
Notify all three credit bureaus ( Experian, XXXX, and XXXX ) to remove all reported late payments associated with this account due to non-compliance with 15 USC 1666b.

Violation 2 : Inaccuracies in Credit Reporting by Experian, XXXX, and XXXX ( 15 USC 1681 ) The credit reports from Experian, XXXX, and XXXX contain significant inaccuracies regarding this account, in violation of 15 USC 1681, which mandates maximum possible accuracy in consumer credit reporting.

Specific Inaccuracies Identified : Discrepancies in Payment History Reporting : XXXX : Indicates on-time payments from XX/XX/XXXX through XX/XX/XXXX. 
Experian and XXXX : Report on-time payments from XX/XX/XXXX through XX/XX/XXXX. 
These discrepancies in payment history reporting among the three credit bureaus highlight the unreliability and inaccuracy of the data being furnished.

Experians Inaccuracies : Experian reports the account as 150 days late in XX/XX/XXXX, even though the last status update listed in their own report is XX/XX/XXXX. 
The " Status '' line in Experians report indicates the account is open with {$580.00} past due as of XX/XX/XXXX, yet the status updated date shows XX/XX/XXXX, demonstrating further inconsistencies. 
XXXX XXXX XXXX : XXXX fails to list an account status for XX/XX/XXXX, leaving the reporting incomplete and misleading. 
Additional Requirement for Credit Bureaus : Verification of Compliance with 15 USC 1666b I demand that Experian, XXXX, and XXXX : Obtain Written Verification from XXXX XXXX XXXX  : The credit bureaus must obtain documentation from XXXX XXXX XXXX  verifying their process for mailing billing statements. 
Specifically, the credit bureaus must validate whether XXXX XXXX XXXX  complied with 15 USC 1666b, which requires statements to be sent at least 21 days before the payment due date.

Provide Documentation to Me as Part of Investigation Results : Provide all documentation received from XXXX XXXX XXXX  during their investigation, including : Proof of the banks billing statement mailing process. 
Proof that statements were sent at least 21 days before the payment due date for each reported late payment. 
Include these documents in their final report to me as part of the resolution of this complaint. 
Confirm Investigation Results : Provide a written explanation of the steps taken to verify XXXX XXXX XXXX  's compliance with 15 USC 1666b.

If compliance can not be verified, the credit bureaus must remove all late payment notations associated with this account.

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