Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CFPB Complaint for XXXX XXXX Inaccurate Reporting & Failure to Validate Delinquency Company : XXXX XXXX XXXX XXXX  Product : Auto Loan / Credit Reporting Consumer : XXXX XXXX Summary of Complaint This complaint is being filed to document XXXX XXXX XXXX Finances ongoing inaccurate credit reporting and failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ). Despite a prior CFPB complaint ( File XXXX XXXXXXXX ) and XXXX XXXX  XX/XX/2025 response, the company continues to report the consumers account as 30 days late for XX/XX/2025, even though the required evidence to substantiate that late status was not produced and the billing practices were inconsistent with federal law. 
Key Facts and Violations XXXX. Failure to Validate Late Reporting The creditor reported a XX/XX/2025 late payment, claiming the payment due XX/XX/2025 was not satisfied until XX/XX/2025. However, XXXX XXXX provided no documentation showing billing statements mailed or delivered at least 21 days before the payment due date, as required by the Truth in Lending Act, 15 U.S.C. 1666b ( Timing of Payments ). Under 1666b, this timing rule applies only to open-end credit plans ; XXXXXXXX XXXX auto loan is a closed-end installment loan, and thus this specific section can not be invoked to justify late reporting. Therefore, the creditors reporting of the account as delinquent lacks lawful basis and violates FCRA 623 ( b ) because it furnished information that was not verified, inaccurate, and incomplete. 
XXXX. Failure to Conduct a Reasonable Investigation The XX/XX/2025 letter from Capital XXXX merely restates internal conclusions, asserting its reporting was accurate. No itemized record of payment postings, billing cycles, or contractual due dates was included. Providing a conclusory response without evidence constitutes a failure to conduct a reasonable investigation under FCRA 1681s-2 ( b ) ( 1 ) ( A ) ( D ). 
XXXX. Failure to Correct or Delete Inaccurate Data XXXX  XXXX continues furnishing the June 2025 30 days late notation to Experian, XXXX, and XXXX, despite being notified multiple times that the information is disputed and unverified. This continued furnishing of disputed information violates FCRA 623 ( a ) ( 3 ) and California Civil Code 1785.25 ( a ). 
XXXX. Lack of Transparency and Inconsistent Billing The contract and disclosures produced by XXXX XXXX show no clear evidence that the consumer received proper periodic notices, grace period calculation, or consistent late-fee application. This inconsistency suggests systemic non-compliance with Regulation Z ( 12 CFR 1026.36 ) regarding accuracy in billing statements and payment processing.

Requested Resolution The consumer respectfully requests that the CFPB require XXXX XXXX XXXX XXXX to : XXXX. Immediately delete or correct any late-payment notation for XX/XX/2025 from all consumer reporting agencies. 
XXXX. Provide documentary proof of billing cycles, mailing of statements, and exact date of receipt of payment. 
XXXX. Conduct a reasonable reinvestigation in compliance with FCRA 1681s-2 ( b ).

4. Confirm that no further negative reporting will occur while this dispute remains unresolved. 
If XXXX XXXX can not produce verifiable documentation supporting its reporting, the tradeline must be permanently deleted from all consumer credit reports. 
Respectfully submitted, XXXX XXXX XXXX XXXX : XX/XX/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