Consumer complaint received 2025-02-03 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 : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am writing to formally request your immediate attention to incorrect late payment information reported on my credit file for myXX/XX/XXXXXXXX account ( Account # XXXX ) **. Despite submitting two previous dispute requests on XX/XX/XXXX, and XX/XX/XXXX, these inaccuracies remain unresolved. This negligence violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), and has caused significant harm to my creditworthiness. Summary of Discrepancies and Errors : 1. Inaccurate Late Payment History : TransUnion : Reports a 30-day late payment for XX/XX/XXXX ( incorrect ). 
Experian : Reports a 30-day late payment for XX/XX/XXXX ( incorrect ). 
Equifax : Reports a 30-day late payment for XX/XX/XXXX ( incorrect ). 2. Inconsistent Account Details : High Balance : TransUnion and Experian : {$1500.00} Equifax : {$1500.00} Credit Limit : TransUnion and Experian : {$1500.00} Equifax : {$0.00} Reporting Dates : Last Verified : TransUnion : XX/XX/XXXX Experian : Not provided Equifax : Not provided Date of Last Activity : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Legal Violations : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i requires credit reporting agencies to conduct a reasonable reinvestigation and ensure the accuracy of information when disputed. The continued reporting of inaccurate late payments reflects a clear failure to meet this obligation. 15 U.S. Code 1681e ( b ) mandates that credit reporting agencies maintain the maximum accuracy of consumer information, which has not been upheld in my case. 2. Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b requires creditors to issue periodic billing statements at least 21 days before the due date. The inaccurate late payment reporting indicates a failure to meet this requirement, as no such notification was provided. 3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act requires creditors to provide accurate and timely statements to prevent unfair penalties to consumers. The inaccuracies in my credit report directly contradict this obligation. Requested Resolution : I formally request the following actions to resolve this issue : 1. Immediate removal of the incorrect late payment notations for XX/XX/XXXX ( TransUnion and Experian ) and XX/XX/XXXX ( Equifax ) from my credit report. 2. Correction of discrepancies in account details, including high balance, credit limit, and reporting dates. 3. Written confirmation that these corrections have been made. If these inaccuracies are not resolved promptly, I am prepared to escalate this complaint, including filing additional complaints with regulatory agencies such as the CFPB, FTC, and state attorney generals office. Legal action to ensure compliance with federal laws will also be considered.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of these corrections within the next 15 business days. 
Sincerely, XXXX 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