Consumer complaint received 2024-12-12 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 Subject : Complaint Against XXXX for Failing to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX XXXX with the following details : Account Details : Account Number : XXXX High Balance : {$23000.00} Last Verified : XXXX XXXX XX/XX/XXXX ; Experian : Not Reported ; XXXX XXXX Not Reported Date of Last Activity : XXXX XXXX XX/XX/XXXX ; Experian : XX/XX/XXXX ; XXXX XXXX Not Reported Date Reported : XXXX XXXX XX/XX/XXXX ; Experian : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XXXX XXXX XX/XX/XXXX ; Experian : Not Reported ; XXXX XXXX Not Reported Account Rating : Closed ( XXXX, Experian ), Paid ( XXXX XXXX Account Description : Individual Auto Loan Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed ( XXXX, Experian ), Open ( XXXX XXXX Payment Status : Current Creditor Remarks : Closed ( XXXX ), Paid ( Experian and XXXX XXXX Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Despite my requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to the inaccuracies reported by XXXX XXXX Experian, and XXXX XXXX The late payment information reflected on my report is incorrect. Specifically : Two-Year Payment History : Late Payments : XXXX, XXXX, and XX/XX/XXXX : 30, 60, and 90 days late, respectively XXXX and XX/XX/XXXX : 30 days late These dates and statuses are erroneous, as payments were made timely during the mentioned period. 
Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The inaccuracies in my credit report demonstrate a failure to comply with this requirement. 
TILA Violations : 15 U.S. Code 1666b requires creditors to provide periodic statements at least 21 days before the payment due date. These reporting errors indicate potential non-compliance, causing undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, ensuring consumers are not unfairly penalized for non-payment.

Resolution Requested : Immediate removal of all inaccurate late payment notations from my credit report.

Written confirmation of the corrections.

Failure to address this issue promptly will result in escalating my complaint to additional agencies and pursuing legal action. I trust that you will take immediate corrective actions to resolve this matter. 
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