Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX Experian Dispute Department XXXX XXXX XXXX XXXX TX XXXX Dispute of Late Payment Santander Account Dear Experian Dispute Department, I am writing to formally dispute a late payment reported on my Experian credit report for my Santander account. Upon reviewing my credit report, I noticed an inaccurate late payment entry that I believe should be removed in accordance with the Fair Credit Billing Act ( 15 U.S. Code 1666b ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681a ).

According to 15 U.S. Code 1666b, a creditor must provide periodic statements at least XXXX days before the payment due date for an open-end consumer credit plan. If this procedure was not properly followed, the late payment should not have been reported against my credit. Additionally, 15 U.S. Code 1681a outlines consumer rights regarding the accuracy and fairness of credit reporting. 

I am requesting that Experian investigate this matter and provide documentation verifying that XXXX followed all federal regulations in reporting this late payment. If verification can not be provided, I request the immediate removal of this late payment from my credit report. 15 U.S. Code 1681i Failure to Conduct a Proper Investigation I have disputed this late payment before, and Experian has failed to properly investigate and validate the accuracy of the reporting. If Experian can not obtain verifiable proof from XXXX that this late payment is accurate, you are legally required to delete it. 
15 U.S. Code 1666b Failure to Provide Proper Billing Notice The law requires creditors to send periodic statements at least XXXX days before the due date on open-end credit accounts. If XXXX failed to provide adequate notice, this late payment should never have been reported. I demand Experian verify that XXXX followed this law. 
15 U.S. Code 1681e ( b ) Duty to Ensure Maximum Possible Accuracy Experian has an obligation to report only accurate and verifiable information. By continuing to report this disputed late payment without clear evidence of its validity, Experian is in direct violation of federal law. Under the Fair Credit Reporting Act ( FCRA ), it is my right to have only verified and accurate information reflected on my credit report. I remind you that if Experian is unable to provide clear, written evidence that this late payment is accurate and was reported in accordance with all legal requirements, you are required by law to delete this entry immediately. 
Specifically, I refer to 15 U.S. Code 1681i ( a ) which mandates that if a consumer disputes any information on their credit report, the credit reporting agency must investigate the matter and correct or remove any inaccurate or unverifiable information. Despite XXXX 's claims of verification, the documentation I have received does not constitute adequate or complete evidence that these late payments were properly verified under the Fair Credit Reporting Act ( FCRA ). I require that XXXX and Experian provide a detailed, itemized account of the verification process, including all relevant dates, notices, and supporting documents that clearly demonstrate compliance with federal law. Without this clear, incontrovertible evidence, the entries must be considered unverified and should be immediately removed from my credit report. '' XXXX Continued Frustration and Demand Accountability : " I have repeatedly received these so-called verified late payment notifications, which have not only failed to resolve the inaccuracies on my credit report but have also caused ongoing stress and confusion. This persistent issue suggests either a systemic error or a failure to adhere to the legal requirements governing credit reporting. I demand accountability and insist that both Experian and XXXX provide transparent documentation that substantiates these claimsif such proof can not be furnished in full detail, these entries are unequivocally invalid. '' Reiterate the Demand for Immediate Corrective Action : " If these disputed entries are not removed immediately due to the lack of verifiable, comprehensive evidence, I will pursue every available legal and regulatory remedy. This includes filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as considering legal action for the continued damage to my credit reputation and the violation of my rights. '' Insist on the Cessation of Unsolicited Communications : " In addition, I demand that all further communications regarding these disputed entries be halted until such time as complete and lawful verification is provided. The continued circulation of these erroneous notices is not only unwarranted but constitutes a violation of my rights under the FCRA. ''

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