Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I hope this communication finds you well. I am writing to formally dispute the erroneous late payment reporting on my credit file by XXXX XXXX Account number : XXXX In addition to the misrepresentation of my credit history, I am gravely concerned about the violation of my privacy rights under relevant federal statutes. As a responsible and conscientious consumer, I have consistently adhered to the terms of the billing schedule provided by XXXX XXXX and ensured timely payment of my obligations. However, my diligent financial practices have been undermined by the inaccurate reporting of a late payment for the billing cycle ending on XXXX XXXX. I assert that my payment was made on XXXX XXXX, well in accordance with the specified due date in the billing schedule provided by XXXX XXXX. In support of my claim, I am providing concrete evidence of my timely payment, including bank transaction records, payment confirmation receipts, and a comprehensive screenshot of the creditor 's billing schedule. The Fair Credit Reporting Act ( FCRA ) explicitly mandates that creditors report accurate and verifiable information to consumer reporting agencies. The unauthorized disclosure of inaccurate information on my credit file violates my rights to privacy, as protected under the FCRA. Additionally, the violation extends to the provisions outlined in the Gramm-Leach-Bliley Act ( GLBA ), which safeguards consumers ' non-public personal information, including financial data. Furthermore, this erroneous reporting is in direct contravention of the Equal Credit Opportunity Act ( ECOA ), which stipulates that creditors must not discriminate based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. The potential adverse impact of this erroneous reporting on my credit access may unduly and unfairly limit my opportunities, which is a clear violation of my individual rights protected by the ECOA. I am hereby urging the CFPB to conduct a thorough and expeditious investigation into this matter, ensuring strict adherence to my rights as a consumer under federal law. I implore the CFPB to take immediate and appropriate action to rectify the erroneous late payment reporting on my credit file, thereby safeguarding my individual rights and rectifying the unjust consequences that have resulted from the said inaccuracy. In addition to a swift resolution of this dispute, I earnestly request written confirmation of any corrections made to my credit report, thereby reinstating my fair and accurate credit standing. In conclusion, I beseech the CFPB to uphold its duty to protect consumers ' rights and interests by initiating a comprehensive investigation into this matter. The correction of this error, as well as a written acknowledgment of such correction, is essential to safeguarding my individual rights and maintaining the integrity of my credit profile. I eagerly await your prompt response and assure you of my full cooperation in the investigation process. Enclosed with this letter are the requisite supporting documents for your reference and verification.