Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
b'Dear Experian ,\nThis letter serves as a formal demand for the removal or correction of late payment notations inaccurately reported on my credit file. After a comprehensive review of my credit report, I identified late payment entries that I believe are inaccurate and improperly reported. These entries, associated with [Creditor Name, Account Number], are in direct violation of 15 U.S.C.  1681s-2(b) and 15 U.S.C.  1681e(b) of the Fair Credit Reporting Act (FCRA), which require credit reporting agencies and furnishers of information to maintain complete accuracy in consumer reporting.\nLegal Grounds for This Demand\n1.\tViolations of Accuracy Obligations  15 U.S.C.  1681e(b):\nAs mandated by the FCRA, consumer reporting agencies are obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in a consumers file. The late payment notations in question fail to meet this standard.\n2.\tReinvestigation and Verification Obligations  15 U.S.C.  1681i:\nUnder this section, you are required to conduct a reasonable reinvestigation of disputed items when notified by a consumer. If you cannot verify the accuracy of these late payments, you are legally required to remove them.\n3.\tFurnisher Obligations  15 U.S.C.  1681s-2(b):\nCreditors and furnishers of information have a duty to correct or delete any inaccurate, incomplete, or unverifiable information. You must confirm with the furnisher whether the late payments are accurate. If they fail to verify the accuracy, these entries must be removed from my credit report immediately.\n4.\tFailure to Meet Notification Requirements  15 U.S.C.  1681m:\nIf the late payments resulted from adverse actions by a creditor, I should have been notified of such actions promptly. If no proper notification was provided, the entries violate FCRA provisions and must be corrected.\n\nSpecific Actions Requested\nI demand the following immediate actions:\n1.\tReinvestigation of Late Payments:\nConduct a thorough reinvestigation of the late payment notations associated with XXXX XXXX XXXX XXXX\n2.\tVerification or Deletion:\nIf the information cannot be 100% verified as accurate and complete, you are required under federal law to remove the entries entirely.\n3.\tCorrection to "Paid as Agreed":\nIf verification reveals discrepancies or incomplete information, these late payments must be updated to reflect a status of Paid as Agreed to align with FCRA requirements.\nTimeframe and Legal Accountability\nUnder 15 U.S.C.  1681i(a)(1), you have 30 days from the date of receipt of this letter to complete your investigation and provide a written response. Failure to comply will result in further legal action, including filing complaints with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and pursuing civil remedies as permitted under 15 U.S.C.  1681n and  1681o for willful or negligent noncompliance.\nI trust you understand the severity of this matter and your obligation under federal law to ensure my credit report reflects accurate and verifiable information. Please confirm receipt of this letter and provide updates on the status of this dispute promptly. I expect written confirmation of the resolution within the legally mandated timeframe.\nSincerely,XXXX XXXX XXXXConsumer Financial Protection Bureau (CFPB)\n\tFederal Trade Commission (FTC)'

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