Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
Re : Formal Dispute of Inaccurate Charge-Off / Late Payment Reporting To Whom It May Concern, I am writing to dispute the accuracy and validity of a charge-off/late payment reported by XXXX XXXX on my account, which has been furnished to the consumer reporting agencies. After reviewing my credit file, I believe this reporting is inaccurate, unverifiable, and in violation of federal law. 

Legal Basis for Dispute Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers of information from reporting data they knowor should reasonably knowto be inaccurate. Unless XXXX XXXX can provide original, documented proof of the alleged delinquency, this entry must be deleted. 

FCRA, 15 U.S.C. 1681s-2 ( b ) requires that once a dispute is received, the furnisher must conduct a reasonable investigation, review all relevant information, and report the results back to the consumer reporting agencies. If the information can not be verified, it must be corrected or deleted.

15 U.S.C. 1666b ( Truth in Lending Act ) requires timely posting of payments. Any failure on XXXX XXXX part to properly credit payments can not legally result in a late payment designation. 

XXXX5 U.S.C. 1637 ( b ) requires accurate and complete periodic billing statements. If XXXX XXXX can not produce these original records, then the basis for the alleged late payment/charge-off is invalid. 

Specific Account in Question XXXX XXXX / Number : XXXX Alleged Late Payment/Charge-Off Date : XX/XX/year> Request for Action I formally request that XXXX XXXX conduct a reinvestigation into the reporting of this account. Unless you can provide the following documentation, the late payment/charge-off must be withdrawn from all credit reporting agencies to which you have furnished it : Original signed account agreement.

Complete payment history and billing statements covering the alleged period of delinquency. 

Documentation proving proper notice of delinquency was provided to me, in compliance with applicable laws. 

If XXXX XXXX can not produce this documentation, you are legally obligated to immediately notify Experian, TransUnion, and Equifax that the reported information is inaccurate and must be deleted. 

Notice of Compliance Failure to comply with these requirements will be considered willful noncompliance under 15 U.S.C. 1681n, exposing XXXX XXXX to liability for statutory damages, attorneys fees, and costs. 

I respectfully request written confirmation within 30 days of receiving this notice that either : The disputed charge-off/late payment entry has been deleted from all consumer reporting agencies ; or Documentation supporting the validity of the reporting has been provided to me. 

Thank you for your prompt attention to this matter.

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