Product: Credit reporting or other personal consumer reports

**Subject : ** Complaint Regarding Inaccurate Reporting and Failure to Reinvestigate Account # : XXXX DEAR CFPB, **To Whom It May Concern, ** I am writing to file a formal complaint against Experian for its repeated failure to provide a reasonable reinvestigation of inaccurate information on my credit report, specifically concerning a late payment reported by **XXXX XXXX XXXX** for XX/XX/year> on a PAID AND CLOSED ACCOUNT. Despite my efforts to dispute this issue directly with Experian, the inaccurate information continues to be reported, negatively affecting my credit score and financial standing. 

**The issue : ** I made my final payment on this account on XXXX XXXX, XXXX, which clearly shows that there was no late payment in XX/XX/year>. Under **15 U.S.C. 1666 ( b ) **, for an account to be reported as late, certain legal requirements must be met, including that the creditor provides proper notice at least **30 days prior** to reporting any late payment to the credit bureaus. I have thoroughly reviewed my communications with **XXXX  XXXX XXXX and have not received any such notice regarding a late payment. 

Despite this, Experian continues to reflect this inaccurate late payment on my credit report, even after I have filed multiple disputes, which have not been appropriately reinvestigated. This failure to reinvestigate the disputed information violates my rights under the **Fair Credit Reporting Act** ( FCRA ), particularly **15 U.S.C. 1681e ( b ) **, which mandates that all information reported to the credit bureaus must be accurate and complete. 

**My requests : ** 1. **Immediate removal** of the inaccurate XX/XX/year> late payment entry from my credit report. 
2. **Correction** of the payment history to reflect that the account was paid on time, with the last payment made on XXXX XXXX, XXXX. 
3. **Deletion of the account** from my credit report if Experian can not substantiate the late payment or provide proof of proper notice from XXXX XXXX XXXX . 
Additional Concern : It is also worth noting that the data furnisherXXXX XXXX XXXXhas entirely ceased reporting this account to XXXX. However, this account continues to report inaccuracies on my Experian report, which not only causes further confusion but also creates an unfair and inconsistent representation of my credit history. The failure to update or remove this inaccurate information across all reporting agencies exacerbates the problem and is a violation of my rights under 15 U.S.C. 1681n and 15 U.S.C. 1681i, which require credit reports to be accurate and for consumers to be able to dispute inaccuracies and have them corrected. 
Given the repeated failures to resolve this issue, I am requesting that Experian take immediate action to remove this inaccurate information and bring my credit report into compliance with the FCRA. If Experian does not act within the time frame outlined by the law, I will be forced to pursue legal action, which may include seeking statutory damages for each inaccurate item reported. 

I am bringing this matter to the attention of the **Consumer Financial Protection Bureau ( CFPB ) ** because Experian has failed to act on multiple disputes and is causing unnecessary harm to my creditworthiness. 

I respectfully request that the CFPB assist in ensuring that this issue is resolved in compliance with all relevant consumer protection laws, particularly the Fair Credit Reporting Act. Thank you for your attention to this matter. I expect prompt and effective action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ssn proof of inaccuracies still reporting attached below.