Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of late payments on my credit report, as maintained by Experian. These reported delinquencies are factually incorrect, legally indefensible, and have caused measurable harm to my creditworthiness. 

Complaint Details : 1. Inaccurate Reporting of Late Payments Despite my accounts being in good standing and set to XXXX, multiple entries appear as 30-day, 60-day, and 90-day late payments across several tradelines ( including XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). These are erroneous and do not reflect my true payment history. 

2. Violation of the Fair Credit Reporting Act ( FCRA ) The inaccurate reporting violates my rights under the FCRA, including but not limited to : 15 U.S.C. 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Duty to reinvestigate disputed information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Duty of furnishers to correct and update inaccurate information.

15 U.S.C. 1681n and 1681o Liability for willful and negligent noncompliance, entitling the consumer to damages and attorney 's fees.

3. Violation of the Truth in Lending Act ( TILA ) 15 U.S.C. 1666 ( b ) If any of these late payments stem from a billing error or improper notice, then failure to correct them constitutes a violation of TILAs requirement for timely and accurate statement delivery and dispute resolution.

4. Violation of the Fair Debt Collection Practices Act ( FDCPA ) If any of these negative entries were furnished or serviced by a third-party collector, knowingly reporting false delinquency constitutes a violation of FDCPAs prohibition on misrepresentation and unfair practices.

Harm and Impact These false delinquencies have negatively affected my credit score and have led to denial of credit, higher interest rates, and financial hardship. I have spent considerable time and effort attempting to correct this information without resolution.

Requested Resolution Pursuant to federal law, I am formally requesting that Experian : Conduct a complete and thorough investigation of the reported late payments. 

Remove all inaccurate late payment entries associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide written documentation detailing the investigation procedures used under 15 U.S.C. 1681i ( a ) ( 7 ).

Update my account history to reflect 100 % on-time payments.

Provide confirmation that my consumer file has been corrected and is now in compliance with all applicable laws.

If you are unable to substantiate the reported delinquencies with signed contracts, accurate billing records, or payment confirmations, I demand immediate deletion of all late payment remarks associated with the above accounts.

Please treat this matter with urgency. Failure to act will result in further complaints being submitted to the FTC and State Attorney General, and I will consider seeking legal counsel for full damages under 15 U.S.C. 1681n. 

Thank you for your attention. 

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