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Sharon Kilby - R4 - LATE - EX

Sharon Lee Kilby wrote a letter to Experian's National Consumer Assistance disputing multiple billing errors on her credit report under the Fair Credit Billing Act. She noticed late payments reported for a Capital One credit card account that she claims she was never late on. She demands proof from the creditor that she was actually late on the reported dates. Kilby requests that the erroneous late payments be updated to show the account was paid as agreed to resolve the billing errors on her credit report. She warns that if the inaccurate reporting is not updated or deleted immediately, she will pursue monetary compensation for violations of her rights under the Fair Credit Reporting Act.

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Mark Shello
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292 views2 pages

Sharon Kilby - R4 - LATE - EX

Sharon Lee Kilby wrote a letter to Experian's National Consumer Assistance disputing multiple billing errors on her credit report under the Fair Credit Billing Act. She noticed late payments reported for a Capital One credit card account that she claims she was never late on. She demands proof from the creditor that she was actually late on the reported dates. Kilby requests that the erroneous late payments be updated to show the account was paid as agreed to resolve the billing errors on her credit report. She warns that if the inaccurate reporting is not updated or deleted immediately, she will pursue monetary compensation for violations of her rights under the Fair Credit Reporting Act.

Uploaded by

Mark Shello
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Sharon Lee Kilby

2509 Nassau Drive


Columbus, OH 43232

SSN: 294-62-4254

DOB: May 10, 1959

Experian's National Consumer Assistance


PO Box 4500
Allen, TX 75013

April 5, 2023

Dear Experian

RE: You Violated the United States Code Law(TILA 15 U.S. Code 1666(b)billing error)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code
1666(b) billing error .

I am in disagreement with the items listed below which still appear on my credit report, even after
your INVESTIGATION.I wrote a letter prior to this asking for a proof that you're reporting the
LATE MARKS correctly and that they are legally verified and investigated but until now I haven't
received any correspondence from you.

(4)The creditor's failure to reflect properly on a statement a payment made by the obligor or a
credit issued to the obligor.

(5) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late
payments on this accounts. I demand to see hard SOLID PROOF from the creditor bank account
that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to PAID AS AGREED on my consumer report.
This erroneous reporting done by your agency is extremely damaging for me. I'm expecting that the
next time I pull out my report, I'm not gonna be seeing all these inaccurate reportings on my credit
history:

CAPITAL ONE: Account number: 51780587, I was never late on these days.

As a consumer by law these accounts on this letter must be updated or deleted immediately or I
will seek monetary compensation for violation of my rights in small claims court in my city and
state under 15 USC 1681n civil liability because I’ve been violated. Also, we already involved
and sent this letter to the Complaint portal for (Consumer Financial Protection Bureau, State
Attorney General’s Office, Better Business Bureau, and Federal Trade Commission).

Sincerely,

Sharon Lee Kilby

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