Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Inaccurate Late Payments Reported by XXXX  on Credit Report ( FCRA Violations ) Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate and harmful late payment reporting by XXXX ( XXXX XXXX XXXX ) on one of my credit card accounts that currently shows a balance of {$13000.00}. This account is inaccurately reporting late payments for the following months : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These late payments are being reported in error. I have maintained a long and responsible credit history with multiple credit card products issued by XXXX, and I have never had a late payment on this or any other XXXX  account, either in the past or present. My payment records and banking activity will confirm that I have consistently paid all obligations on time. 
Relevant FCRA and Consumer Law Violations : 1. 15 U.S.C. 1681i Reinvestigation of Disputed Information Under this statute, a credit reporting agency must conduct a reasonable reinvestigation of disputed information and delete inaccurate data that can not be verified within 30 days. 

2. 15 U.S.C. 1666b Timely Credit Card Payments This provision ensures that payments received before the cutoff time must be credited as on-time. If my payment was submitted in a timely fashion and misapplied or delayed by the creditor or reporting agency, it can not legally be reported as late.

3. 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Reporting false late payments clearly violates this obligation. 

4. 15 U.S.C. 1681n & 1681o Civil Liability for Noncompliance Inaccurate reporting that is willful or negligent in nature subjects furnishers and credit reporting agencies to actual, statutory, and punitive damages, as well as legal costs.

Supporting Evidence Available : Bank account and credit card statements showing on-time payments Payment confirmation records from the months in question History of other Chase-issued credit cards with flawless payment records I have contacted the credit bureaus to initiate disputes, and I am requesting that the CFPB initiate a full investigation into this matter and take steps to ensure that my rights under the FCRA are enforced. 

Requested Relief : I respectfully request that the CFPB : 1. Investigate the inaccurate late payment reporting by XXXX 2. Confirm whether XXXX can verify the accuracy of the reported late payments 3. Instruct XXXX and the credit reporting agencies to permanently delete the late payment notations for XX/XX/XXXXXXXX  through XX/XX/XXXX from all consumer reports 4. Ensure that XXXX and any consumer reporting agency involved are held accountable for FCRA noncompliance These inaccurate late payments are damaging my credit score and reputation as a responsible borrower. I trust the CFPB will intervene and help protect my rights as a consumer under the law. 

Sincerely, 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