Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXXnSubject: Dispute of Late Payment Report  Questioning Company Standards and Policies for Reporting\nDear EXPERIAN \nI am writing to dispute the late payment reported on my credit report for the account XXXX  with XXXX XXXX I believe that the reporting of this late payment is inaccurate and in violation of federal consumer protection laws. I am also questioning the creditors standards and policies for reporting late payments, as their actions may not be in compliance with applicable regulations, including the Truth in Lending Act (TILA) and the Fair Credit Reporting Act (FCRA).\nConcerns Regarding the Reported Late Payment:\n1.\tFailure to Send a Proper Billing Statement\nThe creditor is required to send an accurate and timely billing statement at least 21 days before the due date per 15 U.S. Code  1637(b). I did not receive the necessary statement within this timeframe, and as such, I question the legitimacy of this late payment.\n2.\tGrace Period Mismanagement\nI am concerned that the creditor may not have applied any grace period in accordance with 15 U.S. Code  1666b. If a grace period was indeed applicable, I would like to understand why the payment was reported as late despite potentially meeting the grace period requirements.\n3.\tPayment Processing Issues\nAccording to 15 U.S. Code  1666c, payments must be credited promptly. I believe my payment was not processed accurately, which led to this late payment being reported. This could be a violation of both my rights and the creditor's obligations under the law.\n4.\tNoncompliance with 30-Day Reporting Requirement\nUnder FCRA guidelines, a payment can only be reported as late if it is at least 30 days overdue. Based on my records, I believe my payment was not overdue by this amount of time, and I question the accuracy of the report.\n5.\tFailure to Notify Before Reporting Negative Information\nI am questioning whether the creditor adhered to 15 U.S. Code  1681s-2, which requires them to notify consumers before reporting negative information. I did not receive a notification prior to the reporting of this late payment.\nRequested Action:\n\tI request that you investigate this dispute thoroughly and review the reporting of the late payment on my credit report.\n\tPlease contact the creditor in question to ensure that their reporting practices are compliant with all applicable laws, particularly regarding billing statements, grace periods, and payment processing.\n\tIf the reported late payment is found to be inaccurate or in violation of the law, I request that it be removed from my credit report.\nPlease confirm the results of your investigation within 30 days, as required by the Fair Credit Reporting Act. I look forward to receiving an updated copy of my credit report reflecting the accurate information.\nThank you for your attention to this matter.\nSincerely,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