Consumer complaint received 2025-01-10 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: OR

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX XXXX  Account Dear CFPB, I am filing a formal complaint regarding inaccurate late payment information reported on my credit report for the XXXX XXXX XXXX account. Despite submitting disputes on XX/XX/XXXX and XX/XX/XXXX, the inaccuracies remain unresolved. This negligence constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : Account Name : XXXX XXXX XXXX  Account Number : XXXX High Balance : {$19000.00} Last Verified : XXXX ( XX/XX/XXXX ), Experian ( -- ), XXXX XXXX -- ) Date of Last Activity : XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX ) Date Reported : XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX ) Date Opened : XX/XX/XXXX Balance Owed : XXXX ( {$7300.00} ), Experian ( {$7300.00} ), XXXX XXXX {$7300.00} ) Closed Date : Not Applicable Account Status : Open Payment Status : Current Dispute Status : Account not disputed previously Creditor Type : Auto Financing Account Rating : Open Monthly Payment Amount : {$330.00} Last Payment Date : XX/XX/XXXX Term Length : 77 months Payment Frequency : Monthly Past Due Amount : {$0.00} Errors and Discrepancies : Late Payment Reporting Errors : XXXX XXXX Reports XXXX late payments for XXXX to XX/XX/XXXX and XXXX to XX/XX/XXXX. 
Experian : Report XXXX late payments for XXXX to XX/XX/XXXX, XXXX to XX/XX/XXXX, and XXXX to XX/XX/XXXX. 
XXXX : Report XXXX late payments for XXXX to XX/XX/XXXX, XXXX to XX/XX/XXXX, and XX/XX/XXXX. 
Two-Year Payment History Discrepancies : All three credit bureaus show inconsistent late payment dates, creating confusion and misrepresentation of my payment history. 
Inaccurate Remarks : Creditor remarks fail to reflect my disputes, indicating a failure to update my file as required by 15 U.S. Code 1681i.

Violation of Reporting Standards : The inaccuracies contradict 15 U.S. Code 1681e ( b ), which mandates that credit reporting agencies ensure maximum possible accuracy. 
Relevant Legal Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit reporting agencies are required to reinvestigate disputes and correct inaccuracies promptly.

15 U.S. Code 1681e ( b ) : Ensures accuracy of the information maintained in consumer files.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the due date.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Reinforces the necessity for accurate and timely statements to prevent unfair penalties to consumers.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction from your office.

Assurance that all future reporting reflects accurate and up-to-date information. 
Failure to address this issue promptly will leave me no choice but to escalate my complaint further, including filing additional complaints with relevant federal agencies and considering legal action. 
Thank you for your immediate attention to this matter. I look forward to your confirmation of the requested resolution. 
Sincerely, XXXX 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