Consumer complaint received 2024-11-15 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 : Final Request for Removal of Inaccurate Late Payment Information 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 XXXX XXXX XXXXXXXX account number XXXX. Despite multiple requests for correction, with dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, Experian has not addressed my requests. This ongoing lack of response violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my XXXX XXXX XXXXXXXX account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness, causing undue hardship.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers.

Desired Resolution I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report for this account, along with written confirmation of the correction from Experian. 
Discrepancies and Errors Across Bureaus XXXX Payment Errors : Incorrect 30-day late payment reported in XXXX and XX/XX/XXXX. 
Experian Payment Errors : Incorrect 30-day late payment reported in XXXX and XX/XX/XXXX. 
XXXX XXXX Errors : Has no late payments reported. 
Please resolve these discrepancies and remove the erroneous late payment notations across all bureaus immediately to prevent further escalation, including potential legal action and additional complaints with relevant consumer protection agencies. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX Subject : Final Request for Removal of Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXXXXXX XXXX XXXX account number XXXX. Despite multiple requests for correction, with dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, XXXX has not addressed my requests. This ongoing lack of response violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my XXXX XXXX  XXXX account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness, causing undue hardship.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. 
Desired Resolution I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report for this account, along with written confirmation of the correction from TransUnion. 
Discrepancies and Errors Across Bureaus XXXX Payment Errors : Incorrect 30-day late payment reported in XXXX and XX/XX/XXXX. 
Experian Payment Errors : Incorrect XXXX late payment reported in XXXX and XX/XX/XXXX. 
XXXX XXXX Errors : Has no late payments reported. 
Please resolve these discrepancies and remove the erroneous late payment notations across all bureaus immediately to prevent further escalation, including potential legal action and additional complaints with relevant consumer protection agencies. 
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