Consumer complaint received 2025-04-26 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: KY

Complaint narrative:
Second NOTICE Affidavit of Notice and Request for Proof of Late Payment State of XXXX XXXX XXXX XXXX Date : XXXX XXXX To : Transunion XXXX XXXX XXXXXXXX, PA XXXX I XXXX XXXX XXXX XXXX XXXX D.0.B. XX/XX/XXXX being duly sworn, depose and say as follows : make this affidavit to assert my claims against XXXX XXXX XXXX XXXX for the unauthorized sharing of my private and personal inaccurate information with consumer and credit reporting agencies. 
This affidavit serves as a formal demand for XXXX XXXX XXXX XXXX to immediately remove late payment reported in XX/XX/XXXX on the report. 

I am writing to provide you with an opportunity to cure the ongoing issue concerning the derogatory private and personal information that your XXXX XXXX XXXX XXXX continues to report to my credit report, despite my previous efforts to resolve this matter. I previously sent an affidavit disputing the accuracy of the information in question and, to date, XXXX XXXX XXXX XXXX has failed to rebut that affidavit or cease to report late payment from reporting on my credit report. 
1. Request for Verification of Late Payment : I hereby formally request that XXXX XXXX XXXX XXXX provide proof, with clear and accurate documentation, that my payment was late in accordance with the Fair Credit Reporting Act ( FCRA ), including the exact date the payment was due and the date the payment was received by XXXX XXXX XXXX XXXX I don't believe such information exists. 
2. Compliance with Fair Credit Reporting Act ( FCRA ) : I request that XXXX XXXX XXXX XXXX demonstrate compliance with the Fair Credit Reporting Act by proving that the reported late payment is accurate and not misleading in any way. 
I don't believe such information exists. 
3. Proof of Grace Period Expiration : Provide evidence that the statutory grace period of at least 21 days from the billing statement date ( as required by the Credit Card Accountability Responsibility and Disclosure Act of 2009 ) was applied before considering the payment late. 
I don't believe such information exists. 

4. Compliance with Reporting Standards Under FCRA : I request proof that XXXX XXXX XXXX XXXX has reported the alleged late payment in full compliance with the standards set forth under 12 CFR 1022.42, specifically ensuring that the late payment information is neither misleading nor inaccurate. 
I don't believe such information exists. 

5. Consumer Dispute and Investigation : I request that XXXX XXXX XXXX XXXX provide documentation of any investigation that was conducted regarding the dispute of the late payment in compliance with the FCRA and demonstrate that the investigation confirmed the accuracy of the reported information. 
I don't believe such information exists. 

6. Notice of Payment Deferral or Forbearance Agreements : If any payment deferral or forbearance agreement was reached in accordance with the CARES Act or any similar applicable law, I request proof that the alleged late payment was handled correctly and not reported as delinquent during the agreed-upon period. 
I don't believe such information exists. 

7. Retention of Payment Records : I request that XXXX XXXX XXXX XXXX provide records of all my payment history, including timestamps and receipts, to prove the alleged delinquency on my account. 
I don't believe such information exists. 

8. Explanation of Legal Compliance : I request a written explanation detailing how XXXX XXXX XXXX XXXX complied with all federal and state laws related to the accuracy and fairness of reporting late payments in this case. 
I don't believe such information exists. 

9. Proof of Notification : Provide evidence that XXXX XXXX XXXX XXXX notified me in a timely and legally compliant manner of any late payment status prior to reporting the late payment to credit reporting agencies, as required under relevant statutes. 
I don't believe such information exists. 

10. Request for Correction : If XXXX XXXX XXXX XXXX can not provide valid proof of the alleged late payment or documentation showing full compliance with federal regulations, I demand that the late payment be corrected and removed from my credit report immediately. 
I don't believe such information exists. 

I affirm under penalty of perjury that the statements made in this affidavit are true and correct to the best of my knowledge. 

XXXX XXXX XXXX Affiant Republic of KY ( XXXX ] * Void Where Prohibited By Law * CC XXXX, Experian , Transunion, 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