Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX * * Subject : Formal Dispute Incorrect Late Payment Reporting on Account XXXX XXXX XXXX  * Dear Experian Dispute Team, I am writing to formally dispute the inaccurate reporting of a * * 30-day late payment * * on my account with * * XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) for XX/XX/XXXX * *. This account has * * never * * been delinquent, and I have attached supporting documentation confirming that the payment was made on * * XX/XX/XXXX * *, and was never returned. 
Under the * * Fair Credit Reporting Act ( FCRA ) * * ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are legally obligated to ensure maximum accuracy in consumer credit reporting. Specifically : 1. * * 1681i ( a ) ( 1 ) ( A ) * * Requires reinvestigation of disputed information if a consumer notifies the agency of an error.

2. * * 1681e ( b ) * * Mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of credit information.

3. * * 1681s-2 ( a ) ( 1 ) * * Holds furnishers of credit information accountable for reporting accurate data. 

Additionally, I am * * deeply concerned * * about * * Experians recent lawsuit filed by the CFPB * * on * * XX/XX/XXXX * *, which alleges that Experian * * failed to properly investigate consumer disputes * *, conducted * * sham investigations * *, and * * reinserted previously deleted inaccurate information * * into consumer reports. Based on my experience with this dispute and the failure to correct this erroneous reporting, I * * strongly believe * * that I am a * * victim * * of Experians * * wrongful credit reporting practices * * and the same misconduct outlined in the CFPBs lawsuit. 

The CFPB has accused Experian of violating the FCRA by : - * * Failing to conduct proper reinvestigations of disputed credit information * * - * * Failing to delete inaccurate, incomplete, or unverifiable information * * - * * Improperly reinserting previously deleted information into consumer reports * * As a consumer, I have the right to * * accurate credit reporting * * and to be treated fairly under federal law. Given that my payment was timely and properly processed, the erroneous late payment record negatively impacts my creditworthiness. Pursuant to the FCRA, I request that Experian : - Conduct a * * thorough reinvestigation * * of this matter.

- * * Correct the inaccurate late payment entry * * immediately. 
- Provide * * written confirmation * * of this correction. 
- Inform * * XXXX XXXX XXXX XXXXXXXX * * of the corrected reporting status. 

I have enclosed a copy of my * * transaction receipt from XX/XX/XXXX * *, which verifies that the payment was made before the due date and was not returned. I trust that you will address this matter in compliance with federal regulations and correct the reporting promptly. 

Please confirm receipt of this dispute and provide a response within the legally required timeframe of * * 30 days * *. I appreciate your prompt attention to this issue. 

Sincerely,

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