Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Demand for Deletion of Inaccurate Account Information Pursuant to 15 U.S.C. 1666b and 1637 ( b ) To Whom It May Concern, I am formally disputing the reporting of the following transaction and demanding its removal from my Experian consumer report under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666b, and the disclosure requirements outlined in 15 U.S.C. 1637 ( b ). 

Disputed Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under XXXX U.S.C. XXXX ( b ), a creditor may not treat a payment as late for reporting or penalty purposes unless the required billing statementincluding all disclosures mandated by 15 U.S.C. 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. In this case, I did not receive the necessary disclosures within the required timeframe, thereby making the creditors report of delinquency unlawful. 

The courts have consistently recognized the importance of proper billing disclosures and timely notice. In XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXXXXXX ), the court held that creditors must strictly comply with disclosure obligations under the Truth in Lending Act ( XXXX ) and its related provisions. Similarly, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) emphasized that failure to provide accurate and timely billing information prevents creditors from lawfully enforcing delinquency claims. Additionally, in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court reinforced that inaccurate or incomplete reporting of consumer obligations violates the Fair Credit Reporting Act when tied to noncompliance with disclosure requirements. 

Because the creditor failed to provide the billing statement with all required disclosures at least 21 days prior to the due date, as required by 15 U.S.C. 1666b, the reported delinquency is invalid and must not remain on my consumer report. Continued reporting constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ), entitling me to remedies under 15 U.S.C. 1681n and 1681o. 

I demand that Experian immediately delete this transaction from my consumer report and provide written confirmation of the reinvestigation results within the statutory time frame. If XXXX  fails to comply, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action.

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