Consumer complaint received 2025-01-03 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 RE : Inaccurate Late Payment Reporting on XXXX XXXX XXXXXXXX Account Account Number : XXXX Dear CFPB, I am writing to formally dispute the reporting of inaccurate late payments on my credit report for the XXXX XXXX XXXXXXXX account. Despite submitting multiple requests for correction through letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the discrepancies remain unresolved. This lack of resolution directly violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness and financial stability. 
FCRA Violations : 15 U.S.C. 1681i : Credit reporting agencies are obligated to ensure that consumer files are accurate and up-to-date. The reported late payment entries for XXXX ( XX/XX/XXXX ) and Experian ( XX/XX/XXXX ) have not been verified or corrected, despite clear evidence submitted in my previous disputes. 
15 U.S.C. 1681b : Mandates the accurate use and reporting of consumer information. The erroneous late payment reporting demonstrates a failure to comply with this requirement.

TILA Violations : 15 U.S.C. 1666b : Requires creditors to provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests non-compliance with this statutory obligation. 
Consequences of Inaccurate Reporting : These reporting errors have adversely affected my XXXX XXXX and financial reputation, impacting my ability to secure credit on favorable terms. Additionally, the persistence of these inaccuracies despite multiple correction requests has caused significant stress and financial hardship. 
Actions Requested : I request that your office : Immediately remove the inaccurate late payment notations from my credit reports with XXXX, Experian, and XXXX. 
Provide written confirmation of the corrections within 30 days from the date of this letter. 
Ensure all future reporting related to this account is accurate and complies with federal laws. 
Next Steps if Unresolved : If this matter is not resolved promptly, I am prepared to take further action, including : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and relevant state agencies. 
Consulting legal counsel to address the violations of federal laws and the resulting damages. 
Publicly sharing my experience to raise awareness about the lack of accountability in credit reporting practices. 
I trust that you will treat this matter with the urgency and diligence it deserves to ensure compliance with federal regulations and to rectify the harm caused. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
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