Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX To : TransUnion/Experian/Equifax I am formally disputing inaccurate late payment entries being reported on my XXXX XXXX XXXX account ( Account # : XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I am not disputing the account itselfonly the late payment notations for XXXX, XXXX, and XX/XX/XXXX, currently reflected as 30, 60, and 90 days delinquent. 

Additionally, I have noticed inconsistencies in the reported Date of Last Payment across the credit bureaus : TransUnion reports XX/XX/XXXX, while Experian and Equifax report XX/XX/XXXX. Furthermore, XX/XX/XXXX is reported as paid on time by Experian and Equifax. These discrepancies suggest inaccurate or incomplete reporting that must be investigated and corrected. 

Furthermore, there are discrepancies in payment status reporting : XXXX reports the account as 90 days past due, while Equifax shows not more than four payments past due. These conflicting status updates indicate inconsistent reporting practices that must be reviewed and corrected under the FCRA. 

These entries are being disputed on the following grounds : - Unverified Data Under FCRA 1681i ( a ) ( 5 ) ( A ), if these late marks can not be substantiated through factual, documented evidence from XXXX XXXX XXXX, they must be deleted from my credit file. 

- Method of Verification ( Procedural Request ) In accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), if these entries are verified as accurate, I formally request a detailed description of the procedure used to verify the information, including : 1. The name and contact of the party who verified it 2. A copy of any documentation supplied by XXXX XXXX XXXX Re-aging & Reporting Violations Incorrect aging or timing of payments violates FCRA XXXX ( a ) ( XXXX ), and inaccurate reporting must be corrected or removed. 

- Legal Precedent In XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), the court found that unverifiable late payment data constituted a valid basis for removal. 

If these entries can not be verified through actual records within 30 days, I expect them to be permanently deleted & updated to " pays as agrees ''. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action for noncompliance with federal law. 

Please update my credit reports across all three major bureaus and confirm the resolution in writing. 

Thank you for your prompt attention to this matter. 

Enclosed is my passport photo for verification, Lease & Utility for proof of address & screenshot highlight of disputed late inquiries. 

Sincerely, XXXX 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