Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate correction of inaccurate information reported on my credit file. This letter serves as a follow-up to my initial dispute, which was submitted on XX/XX/XXXX, regarding a purported late payment on my XXXX XXXX XXXX account XXXX To date, Experian has failed to resolve this matter within the 30-day timeframe required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and has instead provided an interim response indicating that the investigation is still in progress. This delay is unacceptable and constitutes a clear violation of my rights under the FCRA.

Inaccurate Reporting in Question : The late payment entry on my XXXX XXXX XXXXXXXX account is entirely inaccurate. According to my records and the XXXX credit report dated XX/XX/XXXX, which I have attached for your reference, my account shows no late payments, derogatory marks, or delinquencies. This discrepancy demonstrates that the late payment claim is false and has no basis in fact. 

Despite my repeated attempts to resolve this matter, Experian has failed to : Conduct a reasonable investigation within the 30-day timeframe required by the FCRA. 

Provide documentation or evidence to substantiate the late payment claim. 

Remove the inaccurate information from my credit file, as required by law. 

Legal Violations by Experian : XXXX failure to resolve this dispute within 30 days is a direct violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies ( CRAs ) complete reinvestigations of disputed items within 30 days of receiving a dispute. Furthermore, 15 U.S.C. 1681e ( b ) requires Experian to maintain reasonable procedures to ensure the maximum possible accuracy of the information in my credit file. 

Additionally, under 15 U.S.C. 1681c-2, Experian is required to block and remove information resulting from identity theft or inaccuracies upon receiving proof of such inaccuracies. My XXXX credit report, which clearly shows no late payments or derogatory marks, serves as irrefutable evidence that the late payment entry is false and must be removed immediately. 

Demand for Immediate Action : I demand that Experian take the following actions immediately : Remove the inaccurate late payment entry from my credit file without further delay. 

Provide written confirmation of the removal within five ( 5 ) business days.

Conduct a thorough review of your internal procedures to ensure compliance with the FCRA and prevent similar inaccuracies in the future. 

Failure to comply with this demand will result in further action, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursuing legal action against Experian for willful non-compliance with the FCRA, which carries statutory damages of up to {$1000.00} per violation, actual damages, and attorneys fees under 15 U.S.C. 1681n.

Supporting Documentation : To assist in your investigation, I am including the following documentation : A copy of my XXXX credit report dated XX/XX/XXXX, which confirms the absence of late payments or derogatory marks. 

A copy of my government-issued ID. 


Conclusion : This matter is time-sensitive, and I expect Experian to take immediate action to resolve it. Please note that I am keeping detailed records of all communications and actions taken regarding this dispute.