Consumer complaint received 2025-01-18 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: GA

Complaint narrative:
Subject : Request for Removal of Inaccurate Late Payment Reporting - FCRA Violations Dear Experian, I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by Navy Federal Credit XXXX XXXX XXXX to your agency Experian, and I believe that this entry is inaccurate. The payment in question is identified as " late, '' but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 


Legal Basis for Dispute : Under XXXX XXXX XXXX XXXX ( XXXX ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself XXXX XXXX XXXX XXXX, and XXXX regarding this account should not be included in my consumer credit report. 

Furthermore, XXXX XXXX XXXX XXXX prohibits a creditor from treating a payment as late unless they can show that the periodic statement was mailed or delivered to the consumer at least 21 days before the payment due date. This is an essential element for justifying any late payment reporting. 


Requested Documentation : In order for XXXX XXXX XXXX XXXX XXXX XXXX to justify reporting this payment as late, they must provide proof of compliance with the following : 1. Proof of Compliance with XXXX XXXX XXXX XXXX XXXX XXXX  ) : I request documentation showing that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date. 
2. Detailed Documentation : Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX specific information must be included in the periodic statement. Please provide documentation that proves the statement was issued in compliance with these requirements and was delivered within the legal timeframe. 

Notice of Requirements : In accordance with XXXX XXXX, you are required to provide me with the requested documentation within XXXX calendar days of receiving this notice. 

Please be advised that merely asserting the information is " accurate '' is not sufficient. 
Without clear proof of compliance with the relevant provisions of the FCRA ( specifically XXXX XXXX Code XXXX ( XXXX ) ( A ) ( i ), XXXX, and XXXX ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 


Request for Action : If XXXX XXXX XXXX XXXX XXXX XXXX can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of XXXX XXXX XXXX XXXX, which prohibits the reporting of inaccurate or unverifiable information. 

I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice. 


Late Payment ( s ) in Question : XXXX XXXX XXXX XXXX Dates XX/XX/XXXX XXXX Account Number : XXXX Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Thank you for your prompt attention to this matter. I look forward to your response and confirmation that the disputed late payment entry has been removed. 

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