Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I am writing about your response regarding the late payment reported on my account. You indicated that the alleged late payment was accurate/ verified, but my previous dispute did not request accuracy or validation. Rather, my dispute was focused on the legality and proper reporting of the payment as late. 

In XXXX of XXXX, you furnished to [ Experian/TransUnion/Equifax ] an alleged late payment. This is in violation of 15 U.S. Code 1666b, which governs the timing of payments under open- end consumer credit plans.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment as late for any purpose unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by 15 U.S. Code 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

In my previous dispute, I specifically requested the necessary information that must be provided by law for you to report a payment as late. This request is made pursuant to Rule 1002. To properly report information as " verified, '' the furnisher ( in this case, your company ) must have sufficient evidence to support the conclusion that the information is accurate. This includes ensuring compliance with 15 U.S. Code 1666b.

You have failed to provide the required documentation to show that the conditions necessary for reporting the payment as late were met. Specifically, you did not provide proof that the periodic statement containing the information required by 15 U.S. Code 1637 ( b ) was mailed or delivered at least 21 days before the due date.

It has now been over 30 days since my initial dispute, and you have not provided the necessary verification of this information. According to XXXX 's Law Dictionary ( 11th ed. XXXX ), the term verify means " [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' Importantly, under the law, a furnisher is required to report a disputed item as " unverifiable '' if it can not be conclusively determined whether the information is accurate. XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) holds that if the furnisher can not verify the accuracy of the disputed information, it must report that the information can not be verified. If you are unable to verify that I missed a payment, you are obligated to delete any inaccurate information regarding the late payment from my credit report. 


As you have not provided sufficient evidence to verify the accuracy of the late payment, I request that you immediately delete the late payment information from my credit report. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX You are required to delete this incorrect late payment information from the Consumer Reporting Agencies ( CRAs ) in accordance with the Fair Credit Reporting Act ( FCRA ) and the statutory requirements under 15 U.S. Code 1681s-2.

Please confirm in writing that you have removed this information from the CRAs within 10 business days of receiving this letter. Thank you

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