Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : CFPB Late Payment Removal - Final Request for XXXX  XXXX Account Dear CFPB Representative, I am filing a formal complaint against the credit bureaus Experian and XXXX for failing to correct inaccuracies regarding late payments reported on my credit report for the XXXX  XXXX account ( Account Number : XXXX ). Despite previous disputes submitted on XX/XX/XXXX and XX/XX/XXXX, these errors remain unresolved, violating my federally protected rights under multiple consumer protection laws. Account Discrepancies The following discrepancies and errors have been identified for the XXXX  XXXX account : XXXX. Experian Late payments reported with the following history : 30 days late ( XXXX time ), XXXX  days late ( XXXX  times ), XXXX  days late ( XXXX  times ). Despite these reports, the account is marked as " Current '' and " Open '' with a balance owed of {$0.00}, which contradicts the late payment history. 
The credit report fails to provide exact dates for the reported late payments, which violates the requirement for accurate and complete information. XXXX. XXXX Late payments reported with the following history : XXXX  days late ( XXXX time ), XXXX days late ( XXXX times ), XXXX  days late ( XXXX  times ). The account status is listed as " Open '' and " Current '', with a balance owed of {$0.00}. This conflicts with the reported late payments. 
Similar to Experian, the credit report from XXXX does not specify the exact dates of these late payments, making it impossible to verify their accuracy. 
These discrepancies indicate a clear failure to maintain accurate and consistent reporting across the credit bureaus, resulting in damage to my creditworthiness. Violations of Federal Laws XXXX. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of my credit report. 15 U.S. Code 1681i : Failure to investigate and correct inaccurate information after my initial disputes. XXXX. Truth in Lending Act ( TILA ) : Reporting false late payments contradicts the requirement to provide accurate and timely disclosures to consumers. XXXX. Gramm-Leach-Bliley Act ( GLBA ) : 15 U.S. Code 6801 : Failure to ensure the privacy and accuracy of my financial information. XXXX. FTC Act and Privacy Rights : 18 U.S. Code 1028A : The continued reporting of incorrect information constitutes misrepresentation and fraud under federal law. Formal Request for Immediate Correction I formally demand the immediate removal of all inaccurate late payment entries for the XXXX  XXXX account from Experian and XXXX. Specifically : Update the payment status to " Paid As Agreed, Never Late. '' Correct the payment history to reflect accurate details, removing all reported late payments. Provide documented proof if these inaccuracies are upheld, including dates, amounts, and any communication records validating the late payments.

Supporting Evidence Attached is the detailed account screenshot highlighting the discrepancies, along with documentation from prior disputes. 
Resolution Requested XXXX. Immediate removal of the late payment entries. XXXX. Written confirmation of the correction. XXXX. Compliance with federal laws as outlined above. 
Failure to resolve this matter within 30 days will result in further action, including additional complaints to relevant agencies and potential legal escalation. 
I trust that this issue will receive the prompt attention it requires. 
Thank you for your immediate assistance. 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