Consumer complaint received 2025-02-25 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: MO

Complaint narrative:
On my credit report, there is a late payment on my consumer report from XXXX XXXX. Now this is false, and I want this late payment removed from my consumer account immediately. The last payment paid on this account was on XX/XX/year>, and I have attached a copy of such payment directly from the XXXX XXXX website. 
Second, Congress created the Fair Credit Reporting Act so as to protect consumers. A section of the law clearly states this : 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ], ( End of quote ) So, according to this law I am writing to formally dispute the reporting of late payments on my credit report associated with XXXX XXXX. Under 15 U.S. Code 1681a, the definition of a " consumer report '' excludes certain transaction-based information that is solely between the consumer and the reporting entity. Specifically, section 1681a ( d ) ( 2 ) ( A ) ( i ) states that a consumer report does not include " report [ s ] containing information solely as to transactions or experiences between the consumer and the person making the report. '' Based on this provision, late payment recordsbeing transactional experiences between myself and XXXX XXXXshould not be included in my consumer credit report. The reporting of such information contradicts the legal definition outlined in the Fair Credit Reporting Act ( FCRA ), as it is an internal transaction and should not be factored into my creditworthiness assessment. 

I respectfully request the immediate removal of these late payment entries from my credit report. Please provide written confirmation of the deletion or a detailed explanation of your legal basis for reporting this information despite the statutory exclusion. 

In compliance with the FCRA, I expect a response within 30 days of receipt of this letter. If the matter is not resolved promptly, I am prepared to escalate my dispute to the Consumer Financial Protection Bureau ( CFPB ) or seek legal counsel to ensure my rights are upheld. 

Please find enclosed copies of my credit report highlighting the disputed items, along with any supporting documents related to my account. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, 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