Consumer complaint received 2025-01-14 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:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX XXXX  XXXX Account Dear CFPB, I am filing a formal complaint against the credit bureau Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX  XXXX account. Despite my previous disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the inaccuracies remain unaddressed, violating federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : Account Number : XXXX High Balance : {$3800.00} Last Verified : XXXX  Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$29.00} Closed Date : N/A Account Rating : Open Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Open Payment Status : Current Creditor Remarks : Customer disputed account - reported by subscriber Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$10000.00} Issue Summary : The late payment reported for XXXX and XX/XX/XXXX on Experian is inaccurate. This account has no history of payments being late, as evidenced by the payment history data. 
Specifically : Experian erroneously lists a 30-day late payment for XXXX and XX/XX/XXXX, despite no supporting evidence of this delinquency. 
Violations : FCRA Violations : 15 U.S.C. 1681i ( a ) : Credit reporting agencies must ensure the accuracy and completeness of information in consumer reports. XXXX failure to investigate and correct this error violates this provision. 
15 U.S.C. 1681e ( b ) : Credit bureaus are required to maintain accurate information. The discrepancy indicates non-compliance.

TILA Violations : 15 U.S.C. 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reported late payment suggests a failure to comply with this requirement, as I received no prior notice of any overdue payment.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely and accurate statements. The reporting of an unfounded late payment contravenes these protections. 
Evidence : Attached to this letter, I have included : Screenshots of the credit report from Experian showing discrepancies. 
Copies of my previous dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Payment history records demonstrating no delinquency for XXXX and XX/XX/XXXX. 
Resolution Requested : Immediate removal of the inaccurate late payment notation from my credit report.

Written confirmation of the correction by Experian.

Assurance that procedures will be implemented to prevent similar errors in the future. 
If this issue is not resolved within 30 days, I will pursue additional legal remedies, including filing further complaints with relevant regulatory agencies. 
Thank you for your prompt attention to this matter. I look forward to your response. 
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