Consumer complaint received 2025-07-27 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:
Subject : Third Dispute Demand for Removal of Inaccurate Late Payments and Full Compliance with FCRA To Whom It May Concern, This letter serves as my third formal dispute regarding inaccurate late payment information reported on the following account : Creditor/Account Name : XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX Disputed Payment Date : XXXXXXXX  As per the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) and 1681g, I previously requested a detailed explanation of your investigation process and documentation verifying the accuracy of the reported late payments. To date, I have not received adequate evidence or a satisfactory resolution. 

I now formally demand the permanent removal of these inaccurate late payment entries from my credit report. My own payment records indicate all obligations on this account were paid on time. If you or the data furnisher are unable to provide the following within 15 days, you are legally obligated to delete the disputed information : A Full Description of the Investigation Process As required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a written explanation of the methods, data sources, and steps taken to verify the alleged late payment. Please detail the precise verification process and the conclusion drawn from it.

Documented Evidence Supporting Late Payment Claims If you maintain the late payment is accurate, provide original documentation such as billing statements, payment ledgers, and date-stamped communications proving the delay. Failure to provide verifiable evidence within the time allowed by law will result in further action.

Correction of Inaccurate Reporting If you can not verify the reported delinquencies with substantial documentation, the account must be updated to reflect its accurate status : Paid As Agreed, Never Late ( PAANL ), pursuant to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ).

Statement Mailing Procedures Under the Truth in Lending Act, particularly 15 U.S.C. 1666 ( b ) and 1637 ( b ), you are required to issue periodic statements at least 21 days before the payment due date. Please provide written procedures showing your compliance with this requirement.

Continued reporting of unverifiable and incorrect information constitutes a willful violation of the FCRA and may also infringe on my rights under the Consumer Financial Protection Act and the Truth in Lending Act. If these errors are not corrected immediately, I will pursue complaints with the Consumer Financial Protection Bureau ( CFPB ) and explore legal remedies available under federal law. 

Please respond with the requested information and confirmation of correction or removal of the disputed items within 30 days of receipt of this notice.

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