Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear CFPB : I am writing to formally dispute an inaccurate late payment reporting on my consumer report from Experian concerning my account with XXXX XXXX XXXX for the month of XX/XX/year>. The report incorrectly reflects that I made a late payment, which is not accurate. 

I believe that Experian has failed to properly investigate this matter, which is a violation of the Fair Credit Reporting Act ( FCRA ) under the provisions of 15 U.S.C. 1681i. According to the law, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. However, Experian has failed to correct the inaccuracies despite providing ample proof of timely payment. 

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain procedures to ensure the accuracy of the information they report. Experian 's failure to ensure accurate reporting constitutes a violation of this provision as well. I request that Experian promptly conduct a thorough and proper investigation into this dispute and remove the inaccurate late payment record from my consumer report. 



Additionally, I would like to reference the Best Evidence Rule as outlined in the Federal Rules of Evidence, specifically Rule 1002, which asserts that the best evidence of the transaction should be presented. I have uploaded the official XXXX XXXX transaction documentation directly from their portal, which should be considered the best and most accurate evidence of the transaction. 

The inaccurate reporting of this late payment has caused significant harm to my credit score, and I am requesting an immediate correction to ensure that my credit history is accurately reflected. 

The CFPB has previously addressed concerns regarding Experians failure to conduct adequate investigations into disputed accounts. A relevant article from the CFPB emphasizes that credit reporting agencies, including Experian, often fall short in thoroughly investigating disputes and verifying the accuracy of information provided by data furnishers. This systemic issue has been highlighted in several enforcement actions and reports by the CFPB. 

Resolution Requested I request that the CFPB investigate this matter and require Experian to : Immediately remove the inaccurate late that they are reporting by XXXX XXXX XXXX from my consumer report. 
Provide written confirmation that the disputed information has been removed. 
Ensure compliance with the FCRA in future investigations of consumer disputes. 
Enclosed are copies of relevant documents, including my dispute correspondence with Experian, my records proving the inaccuracy of the reported account, and other supporting documentation. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to address this issue and hold Experian accountable for its noncompliance. 
Enclosures : Experian Credit Report Documentation of inaccuracies Supporting evidence DL & Social Security Card

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