Consumer complaint received 2025-09-16 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:
Formal Dispute of Late Payment ( s ) Violation of 15 U.S.C. 1666 and 1666b To Whom It May Concern, This letter serves as a formal dispute regarding the inaccurate reporting of one or more late payments associated with my account : [ Insert Account Number ]. These derogatory marks are either incorrect, mishandled, or in violation of federal lawspecifically the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Prompt Crediting of Payments ( 15 U.S.C.

1666b ). 

Creditor Name XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Dates of Alleged Late Payments : XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Dates of Alleged Late Payments : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Violations of Federal Law Include : 1. 15 U.S. Code 1681e ( b ) : You are required to maintain maximum possible accuracy in all credit reporting. Continuing to report these late payments without concrete verification is a gross failure of this duty. 
2. 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : If an item is disputed and can not be verified, you must delete it within 10 days.

3. 15 U.S. Code 1692g ( b ) : Under FDCPA, if a consumer disputes a debt in writing, the collector must cease collection until verification is provided.

4. 12 CFR 1026.13 Regulation Z ( Truth in Lending Act ) : Billing errors, including erroneous late payment reporting, must be corrected promptly. 
DEMAND FOR REMEDY : - Immediately delete all late payment notations associated with this account.- Provide a written explanation and documented proof of how these payments were verified.- If you can not provide verifiable evidence from the original creditor signed by me, remove these items from my report. 
- Send me confirmation of deletion within 10 business days. 
Failure to comply will result in : - Formal complaints with the CFPB, FTC, State Attorney General, and the XXXX XXXX XXXX Litigation under FCRA 1681n and 1681o for willful noncompliance, with demands for actual, statutory, and punitive damages, including attorney fees. 
This is your final opportunity to resolve this matter amicably I demand that you conduct an immediate reinvestigation and provide proper documentation to substantiate these late payments or remove them permanently from all credit reporting agencies in accordance with federal law. 

Basis for Dispute : 15 U.S.C. 1666 requires that billing errors be resolved promptly. If any of these late payments are the result of a billing dispute, misapplied payment, or system error, you were required to : Acknowledge the dispute within 30 days, and Resolve the matter within two complete billing cycles ( not to exceed 90 days ).

Failure to do so bars you from reporting the payment as late.

15 U.S.C. 1666b mandates that payments be credited as of the date of receipt when conforming to your stated requirements. If my payment was received on time but misapplied or delayed internally, you are legally forbidden from penalizing me with a late mark. 

If these derogatory remarks are not 100 % accurate, verifiable, and legally compliant, they must be removed immediately under the Fair Credit Reporting Act and related provisions. 

Immediate Demands : Provide full documentation verifying the accuracy, timing, and handling of each disputed late payment. 

Remove any late payment that can not be fully substantiated under federal law. 

Confirm in writing that these derogatory marks have been removed from all credit reporting bureaus ( XXXX, Experian, 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