Consumer complaint received 2025-01-07 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 : Third Round Complaint Regarding Inaccurate Late Payments - Account XXXX  XXXX XXXX Dear CFPB, I am filing this formal complaint against Experian and XXXX for failing to correct inaccurate late payment information reported on my credit report for the account with XXXX  XXXX, account number XXXX. Despite submitting two prior disputes on XX/XX/XXXX, and XX/XX/XXXX, the inaccurate reporting remains unresolved. It is important to note that XXXX has already corrected this error and updated my report to reflect a positive status. We are now awaiting similar action from Experian and XXXX. 
Violation of Consumer Protection Laws This situation constitutes multiple violations of federal consumer protection laws, as outlined below : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Credit reporting agencies are mandated to ensure the accuracy of consumer file information and conduct reasonable investigations upon receiving a dispute. In this case, your failure to address my concerns effectively violates this provision. 
15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain maximum possible accuracy in credit reports. The continued presence of this error contravenes this obligation.

Truth in Lending Act ( TILA ) : 15 U.S.C. 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reported late payments suggest a failure by the creditor to comply with this statutory requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements and prevent unfair penalties to consumers. The reporting error unfairly impacts my creditworthiness. 
Details of the Inaccurate Reporting Creditor : XXXX  XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX and XX/XX/XXXX Status on XXXX XXXX Corrected to reflect positive status. 
Status on Experian and XXXX : Still inaccurately reported as 30 days late. 
Evidence Supporting the Inaccuracy Credit reports from all three bureaus ( XXXX, Experian, and XXXX ), showing discrepancies. 
Copies of my previous dispute letters dated XX/XX/XXXX, and XX/XX/XXXX. 
Personal identification documents to verify my identity. 
Desired Resolution I formally request the following : Immediate removal of the inaccurate late payment notations from my credit reports with Experian and XXXX. 
Written confirmation of the corrections made. 
Assurance that my credit file will be monitored for ongoing accuracy. 
If this issue is not resolved promptly, I will escalate my complaint further by filing additional grievances with the Consumer Financial Protection Bureau ( CFPB ) and pursuing potential legal remedies. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
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