Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10517635
Complaint Overview
Complaint ID: 10517635
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Texas
ZIP Code: 752XX
Date Received: 2024-10-20T12:00:00-05:00
Date Sent to Company: 2024-10-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer, Financial Protection Bureau I sent a dispute letter on XX/XX/year>, to Bank XXXX XXXX, XXXX XXXX and ACHIEVE PERSONAL LOANS about inaccurate and incomplete information that is being furnished on my consumer report XXXX, XXXX, and Experian. This is the letter I sent to XXXX XXXX XXXX, XXXX XXXX, and ACHIEVE Personal Loans XX/XX/year>. you furnished alleged transaction on my Experian, XXXX, and XXXX that you identified as late. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not rely to me stating that you are furnishing accurate information because we both know your not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : It has been well over 30 days XXXX XXXX XXXX, XXXX XXXX and Achieve Personal Loans hasnt responded to my letter. This information by law must be deleted Immediately off my Consumer Report XXXX XXXX XXXX { XX/XX/year>, XXXX am } by certified mail tracking number # ( XXXX } ( XXXX XXXX ) XXXX XXXX ( XX/XX/year>, XXXX am ) by certified mail tracking number # ( XXXX ) ( XXXX XXXX ) ACHIEVE PERSONAL LOANS ( XX/XX/year>, XXXX am ) by certified mail tracking number # ( XXXX ) ( XXXX XXXX
Frequently Asked Questions
What is Complaint #10517635 about?
Complaint #10517635 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-10-20T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.