Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Final Warning - Formal Dispute of Inaccurate Information on XXXXXXXX XXXX  Account Dear CFPB, I am filing this formal dispute for the fourth time regarding the continued and unacceptable failure to correct inaccurate information reported on my credit report for the account XXXX XXXX. Despite previous dispute requests submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, your agencies have failed to take the necessary steps to ensure the accuracy of the information, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
This ongoing inaccurate reporting has unjustly harmed my credit score, significantly impacting my financial standing and ability to access credit. Account Details Account Number : XXXX Account Type : Installment Loan - Auto Loan Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Balance : {$6300.00} ( XXXX ), {$6300.00} ( Experian ) High Credit : {$7900.00} ( all bureaus ) Payment Status : Current ( all bureaus ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Date of Last Payment : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Discrepancies and Errors The reported late payments on this account are false and do not reflect my actual payment history. The following discrepancies have been identified : XXXX : Incorrectly reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX. Experian : Incorrectly reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX. 
My payment records confirm that all payments for these months were made on time, as agreed in the loan terms. Violations of Federal Law 1. FCRA Violations : 15 USC 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy of the information reported. 15 USC 1681i ( a ) : Failure to conduct a proper reinvestigation within the required timeframe. 15 USC 1681i ( a ) ( 7 ) : Obligation to provide the consumer with a detailed description of the reinvestigation process. 2. TILA Violations : 15 USC 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. 3. Consumer Protection Violations : These inaccuracies have caused undue harm to my creditworthiness, violating my consumer rights under federal law. Requested Resolution I demand the following actions be taken immediately : XXXX. Removal of Inaccurate Late Payments : Correct the payment history to reflect that payments in XX/XX/XXXX and XX/XX/XXXX ( XXXX ) and XX/XX/XXXX and XX/XX/XXXX ( Experian ) were made on time. XXXX. Update Account Status : Ensure that the account status reflects " Paid as Agreed, Never Late '' across all credit bureaus. XXXX. Provide Evidence of Investigation : Provide a written description of the investigation process conducted, including any evidence used to verify the inaccurate information. XXXX. Written Confirmation : Confirm in writing the corrections made to my credit report. Supporting Documents Attached are the following documents to support this dispute : Copies of my credit reports with the errors highlighted. 
Payment records demonstrating timely payments for XXXX, XXXX, XXXX, and XX/XX/XXXX. If this matter is not resolved within 30 days, as required by the FCRA, I will escalate this issue further, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). Pursuing legal action for damages caused by your continued violations of the FCRA and TILA. Reporting this issue to other relevant regulatory authorities. 
I demand an acknowledgment of this dispute and a timeline for resolution. This matter requires urgent attention, and I expect a prompt and fair resolution in compliance with federal law. Sincerely, 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