{"took":157,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":26153,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6990233","_score":13.575776,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Transunion and XXXX need to remove any late payments associated with account XXXX being reported because they are in violation of 15 USC 1681e, 15 USC 1666B and 15 US Code 6802. 15 USC 1681e Requires credit furnishing companies to report accurate information to be in compliance. According to 15 USC 1666B Timing of 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. Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A finical institution may not disclose nonpublic information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\n\nProvide proof that opensky is in compliance with 15 U.S. Code 6802 or remove the late payments associated with account XXXX","date_sent_to_company":"2023-05-17T23:00:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19050","tags":null,"has_narrative":true,"complaint_id":"6990233","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-17T23:00:01.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[13.575776,"6990233"]},{"_index":"complaint-public-v1","_id":"6990231","_score":13.57055,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX and XXXX need to remove any late payments associated with account XXXX being reported because they are in violation of 15 USC 1681e, 15 USC 1666B and 15 US Code 6802. 15 USC 1681e Requires credit furnishing companies to report accurate information to be in compliance. According to 15 USC 1666B Timing of 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. Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A finical institution may not disclose nonpublic information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\n\nProvide proof that opensky is in compliance with 15 U.S. Code 6802 or remove the late payments associated with account XXXX","date_sent_to_company":"2023-05-17T23:00:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19050","tags":null,"has_narrative":true,"complaint_id":"6990231","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-17T23:00:01.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[13.57055,"6990231"]},{"_index":"complaint-public-v1","_id":"7397803","_score":13.557899,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Transunion needs to remove any late payments associated with XXXX XXXX XXXX XXXX being reported because they are in violation of 15 USC 1681e, 15 USC 1666B, and 15 US Code 6802. 15 USC 1681e Requires credit furnishing companies to report accurate information to be in compliance. According to 15 USC 1666B Timing of 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. Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A Financial al institution may not disclose nonpublic information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide proof that XXXX XXXX is in compliance with 15 U.S. Code 6802 or remove the late payments associated with account XXXX","date_sent_to_company":"2023-08-15T01:04:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75056","tags":null,"has_narrative":true,"complaint_id":"7397803","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-15T00:56:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[13.557899,"7397803"]},{"_index":"complaint-public-v1","_id":"7397802","_score":13.557899,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian needs to remove any late payments associated with XXXX XXXX XXXX XXXXXXXX being reported because they are in violation of 15 USC 1681e, 15 USC 1666B, and 15 US Code 6802. 15 USC 1681e Requires credit furnishing companies to report accurate information to be in compliance. According to 15 USC 1666B Timing of 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. Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A Financial al institution may not disclose nonpublic information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide proof that XXXX XXXX is in compliance with 15 U.S. Code 6802 or remove the late payments associated with account XXXX","date_sent_to_company":"2023-08-15T01:08:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75056","tags":null,"has_narrative":true,"complaint_id":"7397802","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-15T01:05:45.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[13.557899,"7397802"]},{"_index":"complaint-public-v1","_id":"6990232","_score":13.557899,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX and XXXX need to remove any late payments associated with account XXXX being reported because they are in violation of XXXX5 USC 1681e, 15 USC 1666B and 15 US Code 6802. 15 USC 1681e Requires credit furnishing companies to report accurate information to be in compliance. According to 15 USC 1666B Timing of 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. Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A finical institution may not disclose nonpublic information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\nProvide proof that opensky is in compliance with 15 U.S. Code 6802 or remove the late payments associated with account XXXX","date_sent_to_company":"2023-05-17T23:00:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19050","tags":null,"has_narrative":true,"complaint_id":"6990232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-17T23:00:01.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Nothing was ever mailed or delivered to me no later than 21 days before any due date so any late payments pertaining to this account need to be removed from my credit report. If not please provide proof of mail no later than 21 days before due payment to be in compliance with the law. Provide proof of compliance of 15 USC 1666B or remove all late payments associated with this account According to 15 U.S."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[13.557899,"6990232"]},{"_index":"complaint-public-v1","_id":"12478464","_score":13.054626,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian has not been verifying these accounts. I have been disputing XXXX XXXX XXXX for months, and they deny any update it. I did a dispute with them few days ago and it came back verified, but the last update was XX/XX/year> also the days reporting late has XXXX more than once. This is proof that Experian is violating the Metro 2 Compliance law and the FCRA Law.","date_sent_to_company":"2025-03-15T01:49:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"12478464","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-15T01:37:08.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I did a dispute with them few days ago and it came back verified, but the last update was XX/XX/year> also the days reporting late has XXXX more than once. This is proof that Experian is violating the Metro 2 Compliance law and the FCRA Law."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[13.054626,"12478464"]},{"_index":"complaint-public-v1","_id":"9916269","_score":12.962576,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"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.They were not in compliance with Us 1637b I would like this late payment removed from my credit report immediately!","date_sent_to_company":"2024-08-26T08:03:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60153","tags":null,"has_narrative":true,"complaint_id":"9916269","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2024-08-26T08:03:47.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["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.They were not in compliance with Us 1637b I would like this late payment removed from my credit report immediately"],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[12.962576,"9916269"]},{"_index":"complaint-public-v1","_id":"14758577","_score":12.951413,"_source":{"product":"Student loan","complaint_what_happened":"Per 15 U.S.C. 1666b : ... a creditor may not treat a payment on an account as late unless they have adopted reasonable procedures to ensure that each periodic statement... is mailed or delivered not less than XXXX days before the payment due date. \nTo date, I have not received evidence that any statements were sent at least XXXX days prior to the due date. Despite good-faith requests, no documentation has been provided demonstrating compliance with this requirement. Therefore, the reporting of any late payments under these circumstances is unlawful.","date_sent_to_company":"2025-07-19T19:08:40.000Z","issue":"Incorrect information on your report","sub_product":"Private student loan","zip_code":"33196","tags":null,"has_narrative":true,"complaint_id":"14758577","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"TFC Credit Corporation of California","date_received":"2025-07-19T19:02:21.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Therefore, the reporting of any late payments under these circumstances is unlawful."],"issue":["Incorrect information on your report"]},"sort":[12.951413,"14758577"]},{"_index":"complaint-public-v1","_id":"14757968","_score":12.943789,"_source":{"product":"Student loan","complaint_what_happened":"Per 15 U.S.C. 1666b : ... a creditor may not treat a payment on an account as late unless they have adopted reasonable procedures to ensure that each periodic statement... is mailed or delivered not less than 21 days before the payment due date.\n\nTo date, I have not received evidence that any statements were sent at least 21 days prior to the due date. Despite good-faith requests, no documentation has been provided demonstrating compliance with this requirement. Therefore, the reporting of any late payments under these circumstances is unlawful.","date_sent_to_company":"2025-07-19T19:16:11.000Z","issue":"Incorrect information on your report","sub_product":"Federal student loan servicing","zip_code":"33196","tags":null,"has_narrative":true,"complaint_id":"14757968","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-07-19T19:09:54.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Therefore, the reporting of any late payments under these circumstances is unlawful."],"issue":["Incorrect information on your report"]},"sort":[12.943789,"14757968"]},{"_index":"complaint-public-v1","_id":"17122927","_score":12.785025,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : My creditor reported a late payment to the credit bureaus even though I was not notified of the due date at least 21 days in advance, violating 15 U.S.C. 1666b. \n\nDetails : I did not receive my billing statement because they come inconsistantly, and the payment was due on [ insert due date ], giving me less than 21 days to respond. This violates federal law and makes the late payment reporting invalid. I am requesting that the creditor retract the late payment from my credit report and confirm compliance with the 21-day notice requirement.\n\nImpact : This inaccurate reporting has negatively affected my credit score and financial standing XXXX","date_sent_to_company":"2025-11-10T00:45:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"08094","tags":null,"has_narrative":true,"complaint_id":"17122927","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-10T00:25:00.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Issue : My creditor reported a late payment to the credit bureaus even though I was not notified of the due date at least 21 days in advance, violating 15 U.S.C. 1666b. \n\nDetails : I did not receive my billing statement because they come inconsistantly, and the payment was due on [ insert due date ], giving me less than 21 days to respond. This violates federal law and makes the late payment reporting invalid."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[12.785025,"17122927"]},{"_index":"complaint-public-v1","_id":"17121536","_score":12.768225,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : My creditor reported a late payment to the credit bureaus even though I was not notified of the due date at least 21 days in advance, violating 15 U.S.C. 1666b. \n\nDetails : I did not receive my billing statement because they come inconsistantly, and the payment was due on [ insert due date ], giving me less than 21 days to respond. This violates federal law and makes the late payment reporting invalid. I am requesting that the creditor retract the late payment from my credit report and confirm compliance with the 21-day notice requirement.\n\nImpact : This inaccurate reporting has negatively affected my credit score and financial standing XXXX","date_sent_to_company":"2025-11-10T00:45:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"08094","tags":null,"has_narrative":true,"complaint_id":"17121536","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-10T00:45:01.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Issue : My creditor reported a late payment to the credit bureaus even though I was not notified of the due date at least 21 days in advance, violating 15 U.S.C. 1666b. \n\nDetails : I did not receive my billing statement because they come inconsistantly, and the payment was due on [ insert due date ], giving me less than 21 days to respond. This violates federal law and makes the late payment reporting invalid."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[12.768225,"17121536"]},{"_index":"complaint-public-v1","_id":"17121535","_score":12.768225,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : My creditor reported a late payment to the credit bureaus even though I was not notified of the due date at least 21 days in advance, violating 15 U.S.C. 1666b. \n\nDetails : I did not receive my billing statement because they come inconsistantly, and the payment was due on [ insert due date ], giving me less than 21 days to respond. This violates federal law and makes the late payment reporting invalid. I am requesting that the creditor retract the late payment from my credit report and confirm compliance with the 21-day notice requirement.\n\nImpact : This inaccurate reporting has negatively affected my credit score and financial standing XXXX","date_sent_to_company":"2025-11-10T00:45:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"08094","tags":null,"has_narrative":true,"complaint_id":"17121535","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-10T00:45:01.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Issue : My creditor reported a late payment to the credit bureaus even though I was not notified of the due date at least 21 days in advance, violating 15 U.S.C. 1666b. \n\nDetails : I did not receive my billing statement because they come inconsistantly, and the payment was due on [ insert due date ], giving me less than 21 days to respond. This violates federal law and makes the late payment reporting invalid."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[12.768225,"17121535"]},{"_index":"complaint-public-v1","_id":"15614661","_score":12.759344,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a dispute regarding the XXXX XXXX XXXX account with Equifax more than XXXX days ago. This account is reported with inconsistent and inaccurate information. The account shows as paid with a XXXX balance, but the payment history includes negative marks ( XXXX and XXXX days late ). This is inaccurate, misleading, and damaging to my credit file. XXXX reporting is inconsistent with the other bureaus, raising further concerns about accuracy and compliance with the FCRA. Despite my dispute and supporting documentation, Equifax has not corrected these inaccuracies.","date_sent_to_company":"2025-08-30T01:44:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"378XX","tags":null,"has_narrative":true,"complaint_id":"15614661","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-30T01:40:53.000Z","state":"TN","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I submitted a dispute regarding the XXXX XXXX XXXX account with Equifax more than XXXX days ago. This account is reported with inconsistent and inaccurate information. The account shows as paid with a XXXX balance, but the payment history includes negative marks ( XXXX and XXXX days late ). This is inaccurate, misleading, and damaging to my credit file. XXXX reporting is inconsistent with the other bureaus, raising further concerns about accuracy and compliance with the FCRA."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[12.759344,"15614661"]},{"_index":"complaint-public-v1","_id":"8208599","_score":12.652379,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year> you received my dispute regarding some transactions and late payments that you and Experian furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you Experian stating that the account was verified!!! \nI am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 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 ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?\n\nFurther more lets take a look at 15 USC 1666b ( 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.\n\nI am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.\n\nThe only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore this process must be certified by an agent that the information is accurate.","date_sent_to_company":"2024-01-23T18:05:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75165","tags":null,"has_narrative":true,"complaint_id":"8208599","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-23T18:05:55.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore this process must be certified by an agent that the information is accurate."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Investigation took more than 30 days"]},"sort":[12.652379,"8208599"]},{"_index":"complaint-public-v1","_id":"8208587","_score":12.646763,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year> you received my dispute regarding some transactions and late payments that you and XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you XXXX stating that the account was verified!!! \nI am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 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 ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? \n\nFurther more lets take a look at 15 USC 1666b ( 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.\n\nI am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.\n\nThe only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore this process must be certified by an agent that the information is accurate.","date_sent_to_company":"2024-01-23T18:05:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75165","tags":null,"has_narrative":true,"complaint_id":"8208587","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2024-01-23T18:00:18.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore this process must be certified by an agent that the information is accurate."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Investigation took more than 30 days"]},"sort":[12.646763,"8208587"]},{"_index":"complaint-public-v1","_id":"15400408","_score":12.64087,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I previously filed a complaint with the CFPB against XXXX on XX/XX/year>XXXX regarding a 90-day late payment mark that dropped my score from XXXX to XXXX. XXXX has not responded to the original complaint after more than 90 days. This lack of response shows non-compliance with CFPB complaint protocols. Furthermore, the continued reporting of a 90-day late payment remains inaccurate and unfairly punitive. I am submitting this new complaint to request escalation and require XXXX to correct their reporting to reflect the account as Paid as Agreed or to remove the derogatory 90-day late mark entirely.","date_sent_to_company":"2025-08-20T22:26:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92563","tags":null,"has_narrative":true,"complaint_id":"15400408","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-20T22:26:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I previously filed a complaint with the CFPB against XXXX on XX/XX/year>XXXX regarding a 90-day late payment mark that dropped my score from XXXX to XXXX. XXXX has not responded to the original complaint after more than 90 days. This lack of response shows non-compliance with CFPB complaint protocols. Furthermore, the continued reporting of a 90-day late payment remains inaccurate and unfairly punitive."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Investigation took more than 30 days"]},"sort":[12.64087,"15400408"]},{"_index":"complaint-public-v1","_id":"12129130","_score":12.59972,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Ive recently checked my consumer credit file and noticed an account by the name of XXXX Account # XXXX is reporting without my consent. I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREEDNEVER LATE. \n\n15 U.S.C 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!","date_sent_to_company":"2025-02-25T23:56:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63376","tags":null,"has_narrative":true,"complaint_id":"12129130","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-20T03:42:32.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREEDNEVER LATE. \n\n15 U.S.C 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[12.59972,"12129130"]},{"_index":"complaint-public-v1","_id":"10357845","_score":12.551097,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"you received my dispute regarding some transactions and late payments that you and ( Put creditor name here ) furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( XXXX, XXXX, XXXX ) stating that the account was verified!!! \n\nI am not sure why you responded with XXXX as I did not ask for verification of anything! The law clearly states that ; ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? \n\nFurther more lets take a look at 15 USC 1666b ( a ) Time to make payments XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection XXXX ( b ) of this titleis mailed or delivered to the consumer not later than XXXX days before the payment due date. \n\nI am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section XXXX was mailed or delivered to the consumer not later than 21 days before the payment due date. \n\nThe only way for you to validate a latepayment is to ensure that XXXX XXXX XXXX was done in compliance XXXX compliance and FCRA compliance!! to the specifications of the law XXXX XXXX XXXX! Further more this process must be certified by an agent that the information is accurate.","date_sent_to_company":"2024-10-06T02:36:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32808","tags":null,"has_narrative":true,"complaint_id":"10357845","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kikoff Inc.","date_received":"2024-10-06T02:27:47.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Further more lets take a look at 15 USC 1666b ( a ) Time to make payments XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection XXXX ( b ) of this titleis mailed or delivered to the consumer not later than XXXX days before the payment due date."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[12.551097,"10357845"]},{"_index":"complaint-public-v1","_id":"10677827","_score":12.494697,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I sent all the bureaus a certified letter. You received my dispute regarding some transactions and late payments that you and XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( XXXX, Transunion, XXXX ) stating that the account was verified!!! Account # XXXX and # XXXX Your is report still showing the same exact data which means nothing was done. In XXXX XXXX I was late XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXXXXXX days. The days late are reporting inaccurate then it states on my last letter from XXXX XXXX This item was updated from our processing of your dispute in XX/XX/XXXX so no investigation was done they simply just updated it same incorrect information. \nI am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; \\n ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) \\nreport containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? \nFurther more lets take a look at 15 USC 1666b\\n ( a ) Time to make payments\\nA 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. \nI am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; \\nWhat reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. \nThe only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance XXXX compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate. I am requesting requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. \nLATE PAYMENTS ARE ILLEGAL????? I WILL SHOW YOU WHEN WE GO TO COURT.","date_sent_to_company":"2024-11-05T07:13:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60443","tags":null,"has_narrative":true,"complaint_id":"10677827","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-05T07:13:25.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["You received my dispute regarding some transactions and late payments that you and XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( XXXX, Transunion, XXXX ) stating that the account was verified!!! Account # XXXX and # XXXX Your is report still showing the same exact data which means nothing was done. In XXXX XXXX I was late XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXXXXXX days."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[12.494697,"10677827"]},{"_index":"complaint-public-v1","_id":"2767596","_score":12.465217,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Please see attached Complaint Number XXXX against XXXX XXXX, copy of XXXX response deleting the late payments, copies of my latest credit report. \n\nI filed a complaint against XXXX with regards to XXXX account XXXX. XXXX responded dated XX/XX/XXXX that they already submitted a request to all the credit reporting agencies to remove lates reported in between XX/XX/XXXX to XX/XX/XXXX. Despite XXXX sending the request to the bureaus, more than 30 business days had passed, the late payments are still in my report. I am now willing to file a lawsuit against the bureaus and XXXX due to their negligence and none compliance.","date_sent_to_company":"2017-12-29T23:46:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"941XX","tags":null,"has_narrative":true,"complaint_id":"2767596","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-12-29T23:33:47.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Despite XXXX sending the request to the bureaus, more than 30 business days had passed, the late payments are still in my report. I am now willing to file a lawsuit against the bureaus and XXXX due to their negligence and none compliance."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[12.465217,"2767596"]},{"_index":"complaint-public-v1","_id":"10677252","_score":12.463665,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I sent all the bureaus a certified letter. You received my dispute regarding some transactions and late payments that you and XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( XXXX, XXXX, Equifax ) stating that the account was verified!!! Account # XXXX and # XXXX Your is report still showing the same exact data which means nothing was done. In XXXX XXXX I was late XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX days. The days late are reporting inaccurate then it states on my last letter from XXXX XXXX This item was updated from our processing of your dispute in XX/XX/XXXX so no investigation was done they simply just updated it same incorrect information. \nI am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; \\n ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) \\nreport containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? \nFurther more lets take a look at 15 USC 1666b\\n ( a ) Time to make payments\\nA 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. \nI am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; \\nWhat reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. \nThe only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate. I am requesting requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. \nLATE PAYMENTS ARE ILLEGAL????? I WILL SHOW YOU WHEN WE GO TO COURT.","date_sent_to_company":"2024-11-05T07:13:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60443","tags":null,"has_narrative":true,"complaint_id":"10677252","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-05T06:56:33.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["You received my dispute regarding some transactions and late payments that you and XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( XXXX, XXXX, Equifax ) stating that the account was verified!!! Account # XXXX and # XXXX Your is report still showing the same exact data which means nothing was done. In XXXX XXXX I was late XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX days."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[12.463665,"10677252"]},{"_index":"complaint-public-v1","_id":"10677826","_score":12.459687,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I sent all the bureaus a certified letter. You received my dispute regarding some transactions and late payments that you and XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( Experian, XXXX, XXXX ) stating that the account was verified!!! Account # XXXX and # XXXX Your is report still showing the same exact data which means nothing was done. In XXXX XXXX I was late XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX days. The days late are reporting inaccurate then it states on my last letter from XXXX XXXX This item was updated from our processing of your dispute in XX/XX/XXXX so no investigation was done they simply just updated it same incorrect information. \nI am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; \\n ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) \\nreport containing information solely as to transactions or experiences between the consumer and the person making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? \nFurther more lets take a look at 15 USC 1666b\\n ( a ) Time to make payments\\nA 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. \nI am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; \\nWhat reasonable procedure that you have adopted designed to ensure that each peridioc statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. \nThe only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate. I am requesting requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. \nLATE PAYMENTS ARE ILLEGAL????? I WILL SHOW YOU WHEN WE GO TO COURT.","date_sent_to_company":"2024-11-05T07:13:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60443","tags":null,"has_narrative":true,"complaint_id":"10677826","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-05T07:13:25.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["You received my dispute regarding some transactions and late payments that you and XXXX XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you ( Experian, XXXX, XXXX ) stating that the account was verified!!! Account # XXXX and # XXXX Your is report still showing the same exact data which means nothing was done. In XXXX XXXX I was late XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX days."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[12.459687,"10677826"]},{"_index":"complaint-public-v1","_id":"2767617","_score":12.448697,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Please see attached Complaint Number XXXX against XXXX XXXX, copy of XXXX response deleting the late payments, copies of my latest credit report. \n\nI filed a complaint against XXXX with regards to XXXX account XXXX. XXXX responded dated XX/XX/XXXX that they already submitted a request to all the credit reporting agencies to remove lates reported in between XX/XX/XXXX to XX/XX/XXXX. Despite XXXX sending the request to the bureaus, more than 30 business days had passed, the late payments are still in my report. I am now willing to file a lawsuit against the bureaus and XXXX due to their negligence and none compliance.","date_sent_to_company":"2017-12-29T23:46:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"941XX","tags":null,"has_narrative":true,"complaint_id":"2767617","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-12-29T23:46:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Despite XXXX sending the request to the bureaus, more than 30 business days had passed, the late payments are still in my report. I am now willing to file a lawsuit against the bureaus and XXXX due to their negligence and none compliance."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[12.448697,"2767617"]},{"_index":"complaint-public-v1","_id":"2767616","_score":12.432812,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Please see attached Complaint Number XXXX against XXXX XXXX, copy of XXXX response deleting the late payments, copies of my latest credit report. \n\nI filed a complaint against XXXX with regards to XXXX account XXXX. XXXX responded dated XX/XX/XXXX that they already submitted a request to all the credit reporting agencies to remove lates reported in between XX/XX/XXXX to XX/XX/XXXX. Despite XXXX sending the request to the bureaus, more than 30 business days had passed, the late payments are still in my report. I am now willing to file a lawsuit against the bureaus and XXXX due to their negligence and none compliance.","date_sent_to_company":"2017-12-29T23:46:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"941XX","tags":null,"has_narrative":true,"complaint_id":"2767616","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-12-29T23:46:11.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Despite XXXX sending the request to the bureaus, more than 30 business days had passed, the late payments are still in my report. I am now willing to file a lawsuit against the bureaus and XXXX due to their negligence and none compliance."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[12.432812,"2767616"]},{"_index":"complaint-public-v1","_id":"8464772","_score":12.42443,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Notice to Agent is notice to principal notice to principal is notice to agent. \n\nOn XX/XX/year> you received my dispute regarding some transactions and late payments furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you stating that the account was verified!!! \n\nI am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 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 theconsumerand thepersonmaking the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment?\n\nFurthermore lets take a look at 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required byis mailed or delivered to the consumer not later than 21 days before section 1637 ( b ) of this title the payment due date.\n\nI am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy.\n\nWhat reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.\n\nThe only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Furthermore, this process must be certified by an agent that the information is accurate.\n\nI am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.\n\nFailure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you have fraudulently verified an account without a reasonable procedure as required by law.\n\nDelete these incomplete and unverifiable accounts and transactions from my consumer reports :","date_sent_to_company":"2024-03-03T21:42:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30281","tags":"Servicemember","has_narrative":true,"complaint_id":"8464772","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, 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