Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Against Experian for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am writing to file a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX  XXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including dispute letters dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies remain unaddressed, violating provisions of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of the Issue : The inaccurate late payment reporting on my XXXX  XXXX account shows discrepancies across all three credit bureaus ( XXXX, Experian, and XXXX ) for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX and Experian ) and XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX ). The repeated failure to correct these errors after my previous disputes demonstrates noncompliance with federal laws designed to protect consumers. 
Violations of Federal Laws : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Credit reporting agencies are required to investigate disputes and ensure the accuracy of information in consumer files. The failure to correct these inaccuracies violates this provision.

15 U.S.C. 1681b : Only accurate information may be included in credit reports. Reporting incorrect late payments constitutes a breach of this statute.

2. Truth in Lending Act ( TILA ) : 15 U.S.C. 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date.
The inaccurate reporting of late payments implies a failure to comply with this requirement.

3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The inaccuracies in my account reporting violate the principles of this law. 
Account Discrepancies : The account in question has the following discrepancies that remain unresolved : High Balance : Incorrect or inconsistent across credit bureaus. 
Last Verified : Dates do not match across reports.

Last Day of Activity : Reported inconsistently between credit bureaus.

Dispute Status vs. Creditor Remarks : Discrepancies in reported status and remarks.

Evidence of Error : My payment records clearly demonstrate that all payments during the disputed months were made on time.

Attached are copies of my payment receipts, bank statements, and previous dispute letters sent to Experian.

Desired Resolution : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Written confirmation of the correction from Experian. 
Failure to address this matter promptly will result in further actions, including additional complaints to relevant agencies and potential legal action. 
Thank you for your attention to this matter. I look forward to your timely response. 
Sincerely, 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