Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
XX/XX/XXXX Re : Formal Complaint Against Experian for Failure to Correct Inaccurate Information on XXXXXXXX XXXX XXXX Account To Whom It May Concern, I am writing to formally file a complaint against Experian for their continued failure to correct inaccuracies regarding the XXXX XXXX XXXX  account ( Account Number XXXX XXXX  ) reported on my credit report. Despite multiple disputes filed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Experian has failed to address the errors and rectify the inaccurate late payment reported for XX/XX/XXXX. Notably, XXXX has already removed this late payment, leaving Experian as the sole credit bureau reporting this inaccurate information. 
The following are the discrepancies and issues in the reporting of the XXXX XXXX XXXX account : Account Details : Account Number : XXXX  High Balance : {$460.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Open Payment Status : Current Credit Limit : {$500.00} Discrepancies Identified : Inaccurate Late Payment for XX/XX/XXXX : Experians report reflects a 30-day late payment for XX/XX/XXXX, despite the account being current with no late payments. XXXX and XXXX do not reflect this late payment. 
Failure to Correct Errors After Multiple Disputes : Disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX have not resulted in corrections. Experians failure to act contravenes their obligations under federal law. 
Violation of Reporting Consistency : Experian is the only bureau failing to correct the discrepancy, which undermines the integrity and accuracy of credit reporting. 
Applicable Laws Violated : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i ( a ) : Requires credit reporting agencies to investigate and correct inaccurate information within a reasonable timeframe.

15 U.S. Code 1681e ( b ) : Mandates that credit reporting agencies ensure maximum possible accuracy of the information in consumer reports.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before payment due dates. The inaccurate late payment reporting suggests a failure in this requirement.

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

Harm Caused : Experians failure to correct this error has negatively impacted my creditworthiness and caused undue stress. I have incurred potential financial harm due to higher interest rates on credit products and reputational damage when applying for financial services.

Requested Resolution : Immediate removal of the inaccurate late payment for XX/XX/XXXX from my credit report. 
Written confirmation of the correction within 15 days of receiving this letter. 
If this issue is not resolved promptly, I will escalate this matter by : Filing additional complaints with relevant state and federal regulatory agencies.

Pursuing legal action to seek damages caused by Experians negligence in addressing these inaccuracies.

I am attaching all supporting documentation, including previous dispute correspondence, account statements confirming the absence of late payments, and a copy of my credit report highlighting the discrepancies.

Thank you for your prompt attention to this matter. I trust that Experian will take the necessary steps to uphold its obligations under federal law and correct this error immediately. 
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