Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
Date : XX/XX/XXXX,, XXXX To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX CC : TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Late Payments Reporting on My XXXX XXXX  Demand for Permanent Deletion from All Three Credit Bureaus ( Experian, Equifax, TransUnion ) To Whom It May Concern, This letter serves as a formal dispute and demand for immediate action regarding inaccurate and damaging late payments currently being reported on my XXXX Card account across all three of my consumer credit reports : Equifax, Experian, and TransUnion. 

These late payments are a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. They must be immediately and permanently deleted from all credit reporting databases. 

Account in Dispute : XXXX XXXX  Disputed Late Payment Months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments are inaccurate and unverified, and as such, are causing significant and unjustified harm to my credit standing. 
Legal Basis for Dispute & Required Deletion Citing the following federal statutes and obligations under law, I am asserting my full legal rights as a consumer : 15 U.S.C. 1681i Furnishers and CRAs must conduct a reinvestigation of any disputed information and remove or correct information that can not be verified.

15 U.S.C. 1681e ( b ) CRAs must follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681b & 1681b-2 Improper access and use of consumer information is prohibited.

15 U.S.C. 6802 Financial institutions must protect the confidentiality and accuracy of non-public personal information.

15 U.S.C. 1666b Protects against improper timing of billing and interest charges.

15 U.S.C. 1692g Debt collectors and furnishers must provide full validation of any debt upon request.

Metro 2 Compliance Obligations Violated According to Metro 2 standards issued by the Consumer Data Industry Association ( CDIA ) : Code 11 ( Paid or pays as agreed ) must be used if a payment is made within grace terms.

Improper reporting under Status Code 78 ( 30+ days late ) without full and verifiable documentation constitutes noncompliance. 
If XXXX or the credit bureaus can not provide full and complete documentation for these reported delinquencies, the accounts must be corrected or removed under FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Relief Demanded You are hereby required to : Permanently delete the late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my XXXX account. 
Correct and update my credit file with Equifax, Experian, and TransUnion. 
Send written confirmation of the deletion to me within 15 calendar days.

Provide a full audit trail of how and why these late payments were originally reported across all CRAs.

Supporting Documents Attached : Copy of my government-issued ID Copy of a utility bill or other proof of current address Screenshots or copies of the inaccurate credit reports from Experian, Equifax, and TransUnion Any relevant account records in my possession If this matter is not resolved promptly and in accordance with my rights under the FCRA and consumer law, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue civil damages under 15 U.S.C. 1681n and 1681o.

This is your final opportunity to correct and delete this negative information before further action is taken. 

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