Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am filing a formal complaint against the credit bureaus XXXX, Experian, and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX  account. Despite submitting multiple disputes ( letters dated XX/XX/XXXX and XX/XX/XXXX ), the inaccuracies remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Below are the details of the disputed account and discrepancies : Account Name : XXXX  Account Numbers : XXXX : XXXX Experian : XXXX XXXX : XXXX High Balance : XXXX & Experian : {$220.00} XXXX : {$200.00} Credit Limit : XXXX & Experian : {$200.00} XXXX : {$0.00} Late Payment Reporting : XXXX : 30-day late payment in XX/XX/XXXX Experian : 30-day late payment in XX/XX/XXXX XXXX : 30-day late payment in XX/XX/XXXX Discrepancies : Credit Limit differs between XXXX/Experian and XXXX. 
Inconsistent late payment reporting across the bureaus. 
XXXX has erroneously marked the dispute status as " Consumer disputes after resolution '' despite the issue being unresolved. FCRA Violations : 1. 15 U.S. Code 1681i : Failure to ensure the accuracy of information and reinvestigate disputed items.

2. 15 U.S. Code 1681b : Inadequate verification procedures and potential violations of my privacy rights. 3. 15 U.S. Code 1681c : Reporting outdated and incorrect account details, including discrepancies in late payment dates. TILA Violations : 1. 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the due date, which did not happen in this case. 2. Failure to provide accurate and timely disclosures, as outlined in the Truth in Lending Act, causing harm to my creditworthiness. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the importance of timely and accurate statements from creditors, preventing unjust penalties and credit reporting errors. Desired Resolution : 1. Immediate removal of the inaccurate 30-day late payment notations for XX/XX/XXXX and XX/XX/XXXX across all bureaus. 2. Correction of the credit limit discrepancies to reflect accurate information. 3. Written confirmation of the resolution and correction to my credit report. The continued inaction regarding my disputes is unacceptable and has caused undue harm to my creditworthiness. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with regulatory agencies and pursuing legal action. 
I have attached all relevant evidence to substantiate my claims, including a detailed breakdown of discrepancies, payment history, and prior correspondence. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX 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