Consumer complaint received 2025-06-26 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: MO

Complaint narrative:
disputing payment being taken 6 days after my payment date and reporting falsely to Experian, that I did pay and as of today currently update on my payments I'm now longer 60 or 30 days late which XXXX credit agreed in a letter if I was to pay my late payment plus late fees that would remove from all 3 credit bureaus, which is in a written letter sent to in by mail but Experian still have not changed the wrong information on reporting and not updating that I know longer on and have made payments on time, ,also I like to add XXXX XXXX XXXX does not disclaiming or the automated system does not make consumers aware of 6 days removal of payment, when you make a payment over the phone it states payments reviceed, Unfair and Deceptive Trade Practices Acts ( UDAP ) are laws designed to protect consumers from fraudulent, misleading, and unfair business practices. These acts, found at both the federal and state levels, prohibit businesses from engaging in activities that deceive or harm consumers.

Key aspects of UDAP : Deceptive Practices : These involve actions or statements that mislead consumers, such as false advertising, misrepresenting the quality or price of goods, or using bait-and-switch tactics.

Unfair Practices : These are actions that cause substantial injury to consumers that they can not reasonably avoid and are not outweighed by countervailing benefits according to the Federal Deposit Insurance Corporation ( FDIC ) ( .gov ).

Consumers must not be reasonably able to avoid the injury. An act or practice is not considered unfair if consumers may reasonably avoid injury. Consumers can not reasonably avoid injury from an act or practice if it interferes with their ability to effectively make decisions or to take action to avoid injury. This may occur if material information about a product, such as pricing, is modified or withheld until after the consumer has committed to purchasing the product, so that the consumer can not reasonably avoid the injury. It also may occur where testing reveals that disclosures do not effective 10 Clear and Conspicuous Disclosures When evaluating the three-part test for deception, the four Ps should be considered : prominence, presentation, placement, and proximity. First, is the statement prominent enough for the consumer to notice? Second, is the information presented in an easy to understand format that does not contradict other information in the package and at a time when the consumers attention is not distracted elsewhere? Third, is the placement of the information in a location where consumers can be expected to look or hear? Finally, is Materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service or Takes unreasonable advantage of : o A lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service; or o The inability of the consumer to protect its interests in selecting or using a consumer financial product or service; or o The reasonable reliance by the consumer on a covered person16 to act in the interests of calling the automated system making my actual payment date payment does not advise this payment may take 6 days to come out of Accountor statement making me aware of late payment after the fact and not contacting me stating that it has been late until 15 days or 30 later, after I'm timing and assuming as the system states payment was received on date of payment, not on my lease of contract it stare that as well, not fair making me late and aware of late payment Documentation of potential FTC UDAP or Dodd-Frank UDAAP violations is extremely important. The following guidance should be used to facilitate review of a potential violation : 1. Create an inventory of documentary evidence gathered and interviews conducted. 2. Create chronologies or charts to explain complex fact patterns. 3. For printed materials ( marketing, solicitations, disclosures ), an original, unmarked copy should be maintained. 4. For websites, print copies or save the webpages electronically as soon as possible. Websites are easily altered, so versions of the website that support the case must be preserved by the examiner. When possible save webpages electronically such as a XXXX. The electronically saved copy should be formatted such that the following information is included : window title, URL, date, time, page number, total number of pages. In cases where the website includes links for additional information, notate the page succession. 5. If consumer complaints are voluminous, create spreadsheets or summaries. Refer to the Analyzing Invoice Discrepancy : The invoice indicating a same-day payment processing suggests a potential error in how your payment was handled or how the information was recorded. 

Actions you can take : as it states on statements of payment Contact XXXX XXXX Immediately : Call XXXX XXXX XXXX at ( XXXX ) XXXX to discuss the late payment charge and the discrepancy with the invoice. Explain that you made the payment on the due date via phone and that your invoice states a same-day payment was taken.

Provide Documentation : If you have confirmation of the phone payment or a statement reflecting the payment date, provide it as evidence during your call.

Dispute the Late Fee : Request that the late fee be waived due to the conflicting information and your timely payment.

Inquire about Credit Reporting : Ask if the late payment has been reported to Under payment options it does not let me the consumer that it take six days or over the automated system i have proof from a statement that pay by phone provide banking info ONLY under check and money order it said 5 business days also in statement it states funds will be taken same day as payment which is not fair and should be removed on my statements and credit report Paperless Billing Sign up to " Go Paperless '' and receive monthly email reminders when your statement is available for online viewing.

Check or Money Order by Mail Mail your payment to the address on the front of your invoice and, in order to avoid delay, include your XXXX XXXX XXXX Account Number on the check. Please allow 5-7 business days for your payment to reach us. 

XXXX XXXXXXXX XXXX XXXX * To pay by XXXX XXXX, please have the following available : XXXX XXXX XXXX  Account Number, City Code : " Car '', State also in my letter states, you are late making payments, if you pay the amount now due by XX/XX/XXXX you may continue with the contract as through you were not late

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