Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as a formal dispute and legal demand for the immediate correction and deletion of an inaccurate late payment reported on my credit file for my XXXX  account ( # XXXX ) in XX/XX/XXXX. This reporting is false, as I have maintained perfect payment history since opening this account in XX/XX/XXXX. 

I have never been late on any payment, and this erroneous derogatory mark is a violation of multiple federal laws, causing harm to my credit score and financial reputation. I have already contacted XXXX, and they admitted that this was a mistake on their part, not mine. Despite their promise to correct it, the error persists, which means XXXX and your agency are knowingly reporting inaccurate and unverifiable information in violation of federal law. 

Legal Violations Committed : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) You are required to maintain maximum possible accuracy in reporting consumer information. The continued reporting of this false late payment proves negligence in ensuring accuracy. 
FCRA 15 U.S.C. 1681i ( a ) Once a dispute is filed, you must conduct a reasonable reinvestigation within 30 days. If the information can not be verified with certified documentation, it must be deleted immediately. 
FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX  is prohibited from furnishing inaccurate information to credit bureaus. If they knowingly report false information, they are directly violating the FCRA and subject to legal action. 
FCRA 15 U.S.C. 1681s-2 ( b ) If a consumer disputes an item, the furnisher ( XXXX  ) must conduct a full investigation, correct the record, and notify the credit bureaus. Their failure to do so constitutes reckless disregard for federal law. 
FCRA 15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with the FCRA makes XXXX and your agency liable for damages, statutory penalties, attorneys fees, and potential class action lawsuits. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Reporting false credit information is deceptive and unlawful under the FDCPA. Continuing to report a false delinquency after notification is a direct violation of consumer protection laws. 
Metro-2 Compliance Violations The credit reporting industry must adhere to Metro-2 data standards to ensure that reported data is accurate and legally compliant. This erroneous late payment is in direct non-compliance with Metro-2 guidelines and regulatory requirements. 
Immediate Legal Demands : Pursuant to FCRA 15 U.S.C. 1681i, I demand that you : Immediately reinvestigate this inaccurate reporting and provide documentation verifying its accuracy. 
Delete this false late payment entry and provide a corrected credit report. 
Notify me in writing once the correction has been made.

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