Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my credit file related to the XXXX XXXX account ( Account Number : XXXX ). I have identified errors in the reported payment history and balance, which I believe violate federal consumer protection laws. Please find the details below. 
The inaccuracies I have identified are as follows : The payment history reflects a " XXXX  Days Past Due '' status for XX/XX/year>, which I believe to be incorrect and unsupported by factual evidence. 
Under federal law, I request an investigation into these inaccuracies and a prompt correction. The specific laws that govern the handling of this matter include : Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666b ( a ) : This section prohibits creditors from reporting a payment as late to credit reporting agencies if it was received within 14 days of the due date or as specified in the account agreement. If my payment was submitted within the allowable time frame, this reported delinquency violates this provision. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : 1681s-2 ( a ) requires furnishers of credit information to ensure the accuracy and integrity of the information they report to credit bureaus. Incorrect reporting of payment history and balance is a violation of this section. 
1681i requires credit reporting agencies to conduct a timely and thorough investigation of disputes and to delete or correct inaccurate or unverifiable information.

Truth in Lending Act ( TILA ) 15 U.S.C. 1666 ( a ) : This section requires creditors to investigate and resolve billing errors, including misreported payment statuses or amounts due, promptly. The reported XXXX delinquency appears to be a billing error. 
Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 ( d ) : Creditors are required to notify consumers of adverse actions, such as reporting delinquencies, and provide specific reasons for such actions. I did not receive proper notice or explanation for the reported delinquency. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : 1692e prohibits false or misleading representations about the character, amount, or legal status of a debt. Any misrepresentation of the account balance or payment status would violate this provision. 
Given the legal protections afforded under these laws, I request the following actions : A detailed investigation into the reported inaccuracies. 
Evidence validating the reported balance and payment history, including a copy of the original creditor agreement. 
Correction or removal of any inaccurate information that can not be verified. 
Please consider this letter as my formal dispute under the FCRA, FCBA, TILA, ECOA, and FDCPA. If you can not verify the accuracy of the information, I expect the disputed items to be removed from my credit file promptly.

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