Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In your previous letter you state : As shown in the enclosed transaction history, you have been inconsistent in making timely payments. XXXX disagrees that the Fair Credit Reporting Act ( FCRA ) does not permit XXXX to report your account or the payment history for your account. 

According to The XXXX XXXX XXXX my consumer report should not contain information solely as to transactions or experience between the consumer and the person making the report. So once again I will ask, how can your company furnish any transactional history on my consumer report when the law clearly states that this is excluded from my consumer report? A payment history is a reflection of a transactional history, but if this information is excluded from my consumer report by law, how can you furnish a payment history or furnish a payment as late if this information is excluded? 
The FCRA under 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusion from a consumer report clearly states : ( XXXX ) EXCLUSION- Except as provided in paragraph ( XXXX ), the term consumer report does not include Subject to section 1681b-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; In your responding letter on XX/XX/scrub> 2024, XXXX disagreed that your company failed to notify me of negative items being reported. You claim you have provided me with a notice of a monthly billing statement showing this negative information. 

In my response, I have not received any notice or any monthly billing statements from XXXX. I request that XXXX show me PROOF where I received these monthly statements that you are claiming you sent me. Can you show me PROOF where these monthly statements were delivered to my address. Can you provide me a tracking number showing these monthly statements were delivered to my address above prior to or no later than XXXX  days after furnishing negative information. I request Proof, and if you can not provide me with proof, I demand this account be removed from my consumer report. 

Any financial institution that regularly furnishes information to a nationwide consumer reporting agency must provide a notice to a consumer in writing prior to or no later than XXXX  days after furnishing negative information to such an agency. The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. I demand you show me PROOF where you sent me a notice prior to or no later than XXXX days of furnishing negative items on my consumer reports. This is a clear violation of the FCRA.

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