Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Against Experian for Failing to Correct Inaccurate Late Payment Reporting on Account XXXX XXXX Dear CFPB, I am filing this complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account identified as XXXX XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information contained in consumer files. Despite providing clear evidence of inaccuracies in my payment history, Experian has failed to fulfill this legal obligation. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : Under the Truth in Lending Act, creditors are required to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and financial standing.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. The failure to ensure accurate reporting violates this protection and continues to damage my ability to access credit fairly. 
Evidence of Error : Experian Account Number : XXXX High Balance : {$420.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$380.00} Account Status : Open Payment Status : Current Payment Amount : {$35.00} Last Payment : XX/XX/XXXX Credit Limit : {$3500.00} Two-Year Payment History : XXXX late payment noted in XX/XX/XXXX. 
Impact : The discrepancies in late payment reporting across the credit bureaus have directly harmed my creditworthiness and financial reputation. The inconsistent reporting of 30-day late payments violates my federally protected consumer rights.

Desired Resolution : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation from Experian confirming the correction. 
Failure to resolve this issue promptly will result in further escalation, including legal action and filing additional complaints with relevant regulatory agencies. 
I trust that the CFPB will assist in ensuring compliance with federal laws and protecting my consumer rights. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation