Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Formal Dispute Incorrect Late Payment Reporting on XXXX XXXX XXXX Credit Card ( XX/XX/year> ) Dear Equifax and TransUnion Dispute Departments, I am formally disputing the late payment reporting for my Cal Tech FCU credit card, dated XX/XX/year>, as reflected on my credit report. This reporting is inaccurate, misleading, and violates federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of this late payment from my credit reports with both bureaus. 
Legal Basis for My Dispute XXXX. Violation of XXXX XXXX. XXXX Time for Furnishing Statements Under this provision of the Truth in Lending Act ( TILA ), creditors must send periodic statements at least 21 days before the due date if it involves a credit card account. If XXXX XXXX XXXX failed to provide adequate notice of my payment due date, the late payment should not have been reported. 

XXXX. Violation of XXXX XXXX. XXXX Failure to XXXX a Proper Investigation Under the FCRA, if a consumer disputes an item, the credit bureau must conduct a reasonable reinvestigation within 30 days. Equifax and TransUnion must obtain verifiable proof from XXXX XXXX XXXX that the late payment was accurately reported. If this documentation is not provided, the late payment must be deleted immediately. 

XXXX. Violation of XXXX XXXX. XXXX ( b ) Maximum Possible Accuracy Requirement Credit reporting agencies must have reasonable procedures in place to ensure maximum possible accuracy of consumer credit reports. If this late payment was reported due to an internal error, delay in processing, or incorrect information, it must be removed to maintain compliance with federal law. 

XXXX. Violation of XXXX XXXX. XXXX ( a ) Responsibilities of Furnishers Creditors and furnishers, such as XXXX XXXX XXXX, are legally required to report only accurate and complete information. If they reported a late payment in error or without proper notice, this constitutes a violation of the FCRA, and the information must be corrected or removed. 

Demand for Resolution To resolve this matter fairly and in accordance with federal law, I request the following actions : Immediate removal of the XX/XX/year> late payment from my credit reports with Equifax and TransUnion.

A written statement confirming the permanent deletion of this late payment from my file.

A full description of the investigation process, including the verification method used to confirm this late payment.

If Equifax and TransUnion fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state regulatory agencies. Additionally, I reserve the right to seek legal remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Please provide a written response confirming your resolution within 30 days, as required by law. I have enclosed copies of my identification and relevant documents to facilitate your investigation. 

Thank you for your prompt attention to this serious matter. 

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