Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
# DISPUTE LETTER FOR LATE PAYMENT DELETIONS XX/XX/XXXXXXXX XXXX XXXX  TO : XXXX XXXX XXXX XXXX Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX * XXXX XXXX XXXX XXXXXXXX, GA XXXX * * * * TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX * * -- -- - # # RE : FORMAL DISPUTE AND DEMAND FOR PERMANENT DELETION OF INACCURATE LATE PAYMENT REPORTING -- -- - # # # DISPUTED ACCOUNTS AND LATE PAYMENT DATES * * XXXX. XXXXXXXX XXXX  Account - {$5800.00} * * - Disputed Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Metro 2 Code Dispute : Payment History Data ( Segment 6, Field 13 ) XXXX XXXX XXXX XXXX XXXX Account - {$1000.00} * * - Disputed Late Payment Date : XX/XX/XXXX - Metro 2 Code Dispute : Payment History Data ( Segment 6, Field 13 ) -- -- - # # # LEGAL BASIS FOR DISPUTE AND DEMAND This dispute is submitted under the following federal consumer protection laws : * * 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i * * Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to conduct a reasonable investigation of all disputed information. The late payment reporting on the above accounts is inaccurate and must be permanently deleted from my credit files.

* * 2. Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666b * * This statute provides additional consumer protections regarding billing disputes and the reporting of disputed accounts to credit bureaus. The creditors were required to follow proper dispute procedures before reporting negative information.

* * 3. Uniform Commercial Code ( UCC ) 3-104 * * This section defines negotiable instruments and the proper handling of payment instruments. The creditors failure to properly process payments or acknowledge payment

disputes violates these commercial standards. -- -- - # # # METRO 2 FORMAT COMPLIANCE REQUIREMENTS Under the Metro 2 Data Reporting Format, all furnishers must : - * * Segment 6 - Payment History Data ( Field 13 ) : * * Accurately report payment status codes. The disputed late payments contain inaccurate status codes that must be corrected to 01 ( current/paid as agreed ) or completely removed.

- * * Data Integrity Standards : * * Metro 2 requires furnishers to maintain data integrity and accuracy. The disputed late payments violate these standards and must be permanently deleted.

- * * Compliance Block Reporting : * * Any accounts with unresolved disputes should be reported with appropriate compliance condition codes until resolution.

-- -- - # # # SPECIFIC DEMANDS I hereby formally dispute the accuracy of the late payment reporting on the above-referenced accounts and DEMAND the following immediate actions : 1. * * PERMANENT DELETION * * of all late payment notations for : - XXXXXXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX XXXX. * * COMPLETE REMOVAL * * of these late payment entries from my credit files maintained by Experian, Equifax, and TransUnion. 
1. * * UPDATED CREDIT REPORTS * * reflecting the permanent deletion of these inaccurate late payment entries.

1. * * METRO 2 COMPLIANCE * * requiring furnishers to update their reporting with accurate payment history codes.

-- -- - # # # INVESTIGATION REQUIREMENTS Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you must : - Conduct a

reasonable investigation of the disputed information - Contact the furnisher within 5 business days of receiving this dispute - Complete your investigation within 30 days of receipt - Provide me with written results of your investigation - Permanently delete any information that can not be verified as accurate -- -- - # # # SUPPORTING DOCUMENTATION I am prepared to provide additional supporting documentation upon request. However, the burden of proof lies with the credit reporting agencies and furnishers to verify the accuracy of reported information.

-- -- - # # # COMPLIANCE DEADLINE This dispute must be processed within 30 days of receipt as required by federal law. Failure to properly investigate and resolve this dispute may result in additional legal action under the FCRA, including potential damages under 15 U.S.C. 1681n and 1681o.

-- -- - # # # CONCLUSION The late payment reporting on the specified accounts is inaccurate and must be permanently deleted from my credit files. I expect full compliance with federal law and Metro 2 reporting standards.

Please provide written confirmation of the permanent deletion of these late payment entries and updated credit reports reflecting these corrections.

I look forward to your prompt response and resolution of this matter. 

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