Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the incorrect reporting of late payments on my credit file for the following accounts : XXXX. XXXX Account XXXX : XXXX ( XXXX XXXX ) XXXX. XXXX XXXX Account Number : XXXX ( Late Pay ) XXXX. XXXX Account XXXX : XXXX ( XXXX XXXX ) XXXX. XXXX XXXX Account Number : XXXX ( Late Pay ) These late payment notations are inaccurate and violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and relevant regulations. I am requesting an immediate investigation and the removal of these incorrect entries to ensure compliance with federal law. 

Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681a ( 2 ) ( xi ) : Credit reporting agencies and furnishers must ensure that all information included in a consumers credit file is accurate and verifiable. Reporting unverifiable or inaccurate late payments breaches this standard.

15 U.S. Code 1681s-2 : Furnishers of information are legally required to report accurate data and promptly correct errors when notified.

2. Truth in Lending Act ( TILA ) : 15 U.S. Code 1666 ( b ) : Billing errors, including misreported late payments, must be thoroughly investigated and resolved by creditors. Failure to comply with this requirement constitutes a direct violation of federal law.

3. Regulations Implementing TILA : 12 CFR 1026.13 : This regulation outlines the obligations of creditors to investigate and resolve billing disputes, including errors in reporting late payments. Noncompliance with this regulation is subject to penalties.

Damages and Remedies If these inaccuracies are not corrected promptly, I reserve the right to seek remedies under the following provisions : Statutory damages of up to {$1000.00} per violation under FCRA ( 15 U.S. Code 1681n and 1681o ).

Actual damages resulting from the inaccuracies, including higher interest rates, credit denials, and emotional distress.

Punitive damages for willful noncompliance.

Recovery of legal fees and associated costs related to pursuing this matter.

Action Requested I am requesting that : 1. A comprehensive investigation be conducted for the accounts listed above in compliance with FCRA and TILA.

2. All inaccurate late payment entries be promptly removed from my credit report.

3. A written confirmation of the resolution be sent to me within 30 days, as required by 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Next Steps I trust that your team will handle this matter with the seriousness it deserves and resolve it promptly. If this issue is not corrected, I will be compelled to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies. Additionally, I will consult legal counsel to pursue remedies under the law for the harm caused by these inaccuracies. 

Thank you for your immediate attention to this matter. 

Sincerely, 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