Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Formal Complaint and Demand for Immediate Investigation and Deletion of Inaccurate Late Payments Dear Consumer Financial Protection Bureau Officer, I am submitting this formal complaint against the following financial institutions and credit reporting agencies for the continued inaccurate reporting of late payments and the failure to uphold their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
Parties Involved : - XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ( XXXX XXXX ) - TransUnion LLC - Experian Information Solutions , Inc. 
- Equifax Information Services, LLC Disputed Accounts : - XXXX XXXX : Accounts ending in XXXX, XXXX - XXXX XXXX : Account ending in XXXX - XXXX XXXX : Account ending in XXXX Nature of the Complaint : Despite multiple disputes initiated directly with the credit reporting agencies and the creditors, these companies have failed to properly investigate and remove inaccurate late payment notations from my credit report in violation of : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Failure to conduct a reasonable reinvestigation.

- 15 U.S.C. 1681s-2 ( b ) - Furnishers ' duty to investigate disputed information.

- 15 U.S.C. 1681e ( b ) - Failure to maintain maximum possible accuracy.

- 15 U.S.C. 1692e ( 8 ) - Communicating false credit information, including failing to communicate that a disputed debt is disputed.

Additionally, the FCRA mandates that a disputed item must be corrected or deleted within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), yet these accounts continue to be reported inaccurately. The " dispute resolved - consumer disagrees '' notation does not cure the inaccuracy nor does it satisfy the burden placed upon furnishers and CRAs by law. 
As a consumer, I am guaranteed : - The right to accurate reporting under 15 U.S.C. 1681e ( b ).

- The right to have unverified and inaccurate information removed under 15 U.S.C. 1681i.

- The right to have no misleading or outdated information affect my credit profile ( 15 U.S.C.

1681c ).

The continued inaccurate reporting constitutes willful noncompliance under 15 U.S.C. 1681n, making the responsible parties liable for actual damages, statutory damages, punitive damages, and attorney 's fees. 
Relief Sought : I demand the immediate removal of all late payment notations associated with the above-mentioned accounts from my credit files with TransUnion, Experian, and Equifax within 15 days of your receipt of this complaint. 
Should these violations continue unremedied, I reserve the right to pursue full legal remedies under the FCRA and FDCPA, including statutory damages of up to {$1000.00} per violation, punitive damages, and attorney 's fees. 
Supporting Documentation : - Copies of my credit reports. 
- Dispute letters sent to CRAs and furnishers. 
- Correspondence showing the failure to correct or delete the inaccurate information. 
I expect a prompt and thorough investigation and immediate resolution.

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