Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8444170
Complaint Overview
Complaint ID: 8444170
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: XXXXX
Date Received: 2024-02-28T12:00:00-05:00
Date Sent to Company: 2024-02-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Sir/Madam, I am writing to file a formal complaint regarding the payment history associated with my commercial relationship with XXXX XXXX XXXX . The accounts in question are : XXXX, XXXX, and XXXX. I previously disputed this information in XX/XX/XXXX, however, the issue remains unresolved. My complaint pertains to the late payments reported on these accounts. In response to my dispute, XXXX provided ledgers and payment histories for each account. However, I wish to clarify that my initial request was not for validation, but for the prompt removal of late payments as mandated b y 15 U.S. Code 1666b. Under this statute, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless reasonable procedures are in place to ensure that periodic statements, including payment due dates, are provided to the consumer no later than XXXX days before the due date. Given that these accounts are open-ended credit plans, any late payments reported should adhere to this requirement. Moreover, I believe that XXXXXXXX XXXX actions violate my right to privacy as outlined in the Privacy Act of 1974, 5 U.S.C. 552a. Specifically, disclosure of my financial records to consumer reporting agencies without my prior written consent is prohibited, except under certain circumstances which do not apply in this case. Additionally, XXXX failed to inform me of my right to exercise nondisclosure options as required by 15 U.S.C. 6802 ( b ) ( c ). Furthermore, I assert that XXXXXXXX XXXX reporting of adverse information, such as late payments, without my authorization violates 15 U.S.C. 1681C ( a ) ( 5 ), which prohibits the inclusion of certain adverse information in consumer reports without consent, particularly information that exceeds XXXX years. In light of these violations, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX. I also request that the late payments be promptly removed from my credit reports and that XXXX be held accountable for their failure to comply with federal regulations regarding privacy and credit reporting. Thank you for your attention to this matter.
Frequently Asked Questions
What is Complaint #8444170 about?
Complaint #8444170 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-02-28T12:00:00-05:00.
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.