Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which I obtained from Experian. The account in question is : Creditor Name : XXXX  Date of Alleged Late Payments : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX After carefully reviewing my credit report, I have identified that the late payments reported are incorrect. I have attached supporting documentation ( such as bank statements, payment confirmations, and correspondence with the creditor ) to substantiate my claim. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to conduct a reasonable investigation of any disputed information. Furthermore, the FCRA mandates that credit reporting agencies must ensure the accuracy and completeness of the information they report. Specifically, 15 U.S. Code 1681e ( b ) states : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to conduct a reasonable investigation of any disputed information. Furthermore, the FCRA mandates that credit reporting agencies must ensure the accuracy and completeness of the information they report. Specifically, 15 U.S. Code 1681e ( b ) states : " Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Additionally, 15 U.S. Code 1681a provides the definitions and rules of construction for terms used throughout the FCRA. This section ensures that the terms such as " consumer report, '' " consumer reporting agency, '' and " file '' are clearly defined, ensuring accurate and fair handling of consumer information.

Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) addresses the responsibilities of furnishers of information to consumer reporting agencies, stating : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, 15 U.S. Code 1681a-2 ( A ) ( i ) defines exclusions to the term " consumer report, '' stating that : " Any report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the definition of a consumer report. 
" Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In accordance with these provisions, I am requesting that you : Investigate this matter with the creditor who furnished the information. 
Correct inaccurate late payment information from my credit report PAID AS AGREED. 
Provide me with a written confirmation that the disputed information has been corrected. 
I expect a response to this dispute within the 30-day timeframe required by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to your resolution of this dispute.