Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for failing to conduct a proper reinvestigation of disputed late payments as required under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ). 

I have disputed these late payments multiple times, yet the credit bureaus continue to report them without providing any evidence or verification beyond what the creditor claims. This is a direct violation of my consumer rights under the FCRA. 

Additionally, my creditors were legally required to notify me at least 21 days before reporting a late payment, as required under 15 U.S.C. 1666b of the Fair Credit Billing Act ( FCBA ). I have never received any such notice, and despite multiple requests, neither the creditors nor the credit bureaus have provided proof that one was ever sent.

Since no legal notice was given and the late payments can not be verified with actual documentation, they are inaccurate and must be deleted immediately under 15 U.S.C. 1681i ( a ).

Legal Violations Committed by Experian, Equifax, and TransUnion : 1. 15 U.S.C. 1681e ( b ) Credit bureaus must ensure maximum possible accuracy.

The credit bureaus can not report inaccurate or unverifiable information.

Since they have not provided proof of these late payments, the reporting is inaccurate and must be deleted.

2. 15 U.S.C. 1681i ( a ) Credit bureaus must conduct a proper reinvestigation.

The FCRA requires credit bureaus to independently verify disputed information.

Simply repeating what the creditor says is NOT an investigationit is negligence.

Since no supporting documentation has been provided, the late payments must be deleted.

3. 15 U.S.C. 1666b Creditors must provide notice before reporting a late payment.

My creditor was legally required to send a written notice at least 21 days before marking a payment late.

I never received this notice, and despite multiple requests, neither my creditor nor the bureaus have provided proof that one was sent.

Because this legal step was not followed, the late payment is invalid and must be removed.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Creditors can not report inaccurate information.

The creditors have a legal duty to report only accurate information.

Since they never provided proof of a proper notice or payment history, the information is inaccurate and must be deleted.

Requested Resolution : 1. Immediate deletion of all late payments on my credit report, as they are unverifiable and inaccurate per FCRA guidelines.

2. Written confirmation of deletion within 15 days, as legally required under the FCRA.

3. If the credit bureaus fail to comply, I will : File additional complaints with the Attorney Generals Office of the State of Florida for continued violations of my consumer rights.

Report Experian, Equifax, and TransUnion to the Federal Trade Commission ( FTC ) for noncompliance. 
Seek legal action for failure to uphold federal law under the Fair Credit Reporting Act.

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