Consumer complaint received 2025-01-30 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: KY

Complaint narrative:
XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX TEXAS XXXX Re : Dispute and Demand for Removal of Late Payments from My Credit Report Account Number : XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the late payments reported by [ XXXX  XXXX ] on my credit report with Experian. I have been disputing this matter through the CFPB, and while I have received a report indicating that the information has been verified, I have not received any proof or detailed documentation supporting this verification. This lack of response, coupled with the lack of evidence, is a clear violation of my rights as a consumer. 

The late payments in question are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As you are aware, under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, consumers have the right to a thorough investigation into reported information and to receive clear documentation supporting the accuracy of the late payments. However, Experian has not complied with these requirements, sending me only a credit report with no proof of the investigation conducted. This is not only a violation of the law but also a violation of my right to privacy and to accuracy in my credit report. 

Additionally, I already sent a formal letter to XXXX  XXXX on XX/XX/XXXX, requesting the removal of these late payments due to the lack of evidence. I have not received any response within the time frame stipulated by law. This lack of response from the creditor further reinforces the lack of validity of the reported late payments. 

Under the FCRA, if the accuracy of the information on my credit report can not be verified, it must be removed. Therefore, I demand the immediate removal of these late payments reported by [ XXXX  XXXX ] and the updating of my credit report to reflect accurate and positive information. 

If EXPERIAN can not provide evidence of the accuracy of this information or does not conduct a proper investigation, I will be forced to take further legal actions, including formal complaints with the FTC and the CFPB, which have already been filed. 

I expect a prompt resolution of this matter. If this issue is not resolved immediately and in accordance with the law, I will proceed with the appropriate actions to enforce my rights. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX Last XXXX SSN : XXXX Enclosures : Copy of the letter sent to [ Name of Bank or Provider ] Copy of the credit report showing inaccurate late payments Copy of the complaint filed with the FTC Let me know if you need any further adjustments.

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