Product: Credit reporting or other personal consumer reports

Subject of Complaint : Demand for Removal of Inaccurate Late Payment Due to Violation of FCRA and XXXXXXXX XXXX XXXX XXXXXXXX Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX Disputed Account Information : Creditor : XXXX XXXX XXXXXXXX Account Number : XXXX Reported Late Payment Date : XX/XX/XXXX Complaint Details : I am submitting this formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by improperly verifying an inaccurate late payment on my credit report. Despite submitting two disputes, Experian has failed to substantiate the late payment with sufficient documentation, thereby violating multiple provisions of the FCRA and TILA. Instead of conducting a proper investigation, Experian provided a generic response claiming that the account was verified without any legitimate proof.

Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to investigate disputed information and correct or delete inaccuracies within 30 days. Instead, Experian provided a generic response stating the account was " verified '' without supplying any evidence of a substantive investigation. 

XXXX5 U.S.C. 1681i ( a ) ( 5 ) : If disputed information can not be verified, it must be permanently removed from the consumers report. Experian has violated this provision by continuing to report unverifiable data.

15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in consumer credit reports. By retaining incorrect information despite the evidence submitted, Experian has failed to comply with this provision.

15 U.S.C. 1681s-2 ( b ) : The original creditor ( XXXX XXXX  XXXX XXXX is also required to investigate disputes and provide accurate and verifiable responses. The lack of documentation in Experians response indicates a failure to properly verify the information.

Violations of the Truth in Lending Act ( TILA ) : 15 U.S.C. 1637 ( b ) : Creditors must provide accurate and complete account statements detailing transactions, payments, and balances. By failing to ensure the correction of erroneous information, Experian has facilitated the dissemination of inaccurate data in violation of this provision.

15 U.S.C. 1666b : Payments must be credited promptly and accurately. Experians continued reporting of a nonexistent late payment constitutes a violation of this rule. 

XXXX XXXX  XXXX XXXX of Misconduct & CFPB Enforcement Action It is important to note that XXXX XXXX XXXXXXXX has a documented history of illegal and deceptive practices, including fraudulent fees and inaccurate credit reporting. 
According to the Consumer Financial Protection Bureau ( CFPB ) enforcement action issued on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX was found guilty of : Charging fraudulent late fees and double-dipping on fees. 
Opening unauthorized accounts that caused financial and reputational harm to consumers. 
Given this pattern of regulatory violations, any " verification '' conducted by Experian based on XXXX XXXX  XXXX records should not be considered valid or reliable evidence of the legitimacy of the reported late payment. 

Experians reliance on XXXX XXXXXXXX XXXX faulty records without conducting an independent, thorough reinvestigation further compounds its FCRA violations. 

I am also requesting that the CFPB intervene to ensure that my rights under the FCRA are upheld and that my credit report is accurate and free of any misleading or incorrect information. Failure to properly address this dispute and verify the late payment entry violates my rights under the FCRA and could result in further legal action if this matter is not resolved promptly. I request that the CFPB help ensure compliance with the FCRA and prompt resolution of this issue. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX