Consumer complaint received 2025-04-09 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: AZ

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment Records on Credit Reports Dear Sir or Madam, I am writing to formally dispute the inaccurate reporting of late payments on my credit reports from Experian, Equifax, and TransUnion concerning the following accounts : XXXX ( XXXX XXXX  ) : Reported Balance : {$13000.00} Credit Limit : {$14000.00} Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : Reported Balance : {$17000.00} Credit Limit : {$17000.00} Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have consistently made on-time payments for both accounts and have never been late. These inaccuracies are damaging to my creditworthiness and reputation. 
Dispute History : On XX/XX/XXXX, I initiated disputes regarding these inaccuracies with Experian, Equifax, and TransUnion through the Consumer Financial Protection Bureau ( CFPB ). As of today, XX/XX/XXXX, more than 30 days have passed without resolution, exceeding the timeframe stipulated by the Fair Credit Reporting Act ( FCRA ).

Legal Grounds for Dispute : Violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Mandates that consumer reporting agencies must investigate disputed information within 30 days of receiving notice from the consumer. The failure to resolve my disputes within this period is a direct violation of this statute.

Legal Information Institute +4 Federal Trade Commission +4 nolo.com +4 15 U.S.C. 1681e ( b ) : Requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report. The continued presence of these inaccuracies indicates non-compliance with this requirement.

15 U.S.C. 1681c ( a ) : Specifies that adverse information should not be reported beyond seven years. While this may not directly apply to the current dispute, it underscores the importance of accurate reporting within permissible timeframes.

Request : I respectfully request the Consumer Financial Protection Bureau to : Investigate the failure of Experian, Equifax, and TransUnion to resolve my disputes within the legally mandated 30-day period.

Ensure the immediate and permanent removal of the inaccurate late payment records from my credit reports.

archive.legmt.gov Confirm that all actions taken comply with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.

Enclosures : Copies of my credit reports from Experian, Equifax, and TransUnion highlighting the disputed late payment entries.

Documentation of my payment history demonstrating timely payments. 
Records of my initial disputes filed on XX/XX/XXXX, including any correspondence with the credit bureaus. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that these inaccuracies have been permanently removed from my credit reports. 
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