Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX Subject : Demand for Exclusion of Inaccurate Information from Consumer Report under 15 USC 1666b * * To Whom It May Concern : I am writing to formally demand the exclusion of specific transactions from my consumer report under the provisions of 15 U.S.C. 1666b and 15 USC 1681i. This statute mandates that, to be included on my credit report, creditors must provide all required disclosures per 15 U.S.C. 1637 ( b ) at least 21 days before the payment due date.

Failure to meet this disclosure requirement invalidates these transactions ' reporting, and Experian, Equifax and TransUnion has a legal obligation to exclude such inaccurately reported information.

The following transactions are at issue : XXXX XXXX XXXX XXXXXXXX Current Payment Status Worst Payment Status Payment History XX/XX/XXXX Date Last Reported High Credit I PAID OFF THE ACCOUNT ON XX/XX/XXXX. The account was reported by the creditor as OPEN/NEVER LATE. When the balance was updated to XXXX  the creditor illegally changed the payment status to COLLECTION/NEVER LATE. The account worst payment status was changed to collections.

Payment was updated to current XX/XX/XXXX and then when I paid the balance they marked it as late. 

I have attached copies of the last reporting status from XXXX  that shows current never late. 



The lack of timely disclosure of these transactions violates my rights under the Truth in Lending Act, specifically sections 15 U.S.C. 1637 ( b ) and 15 U.S.C. 1666b. Courts have repeatedly upheld that credit reporting agencies must ensure the accuracy of information on consumer reports and are obligated to remove or exclude items reported without proper disclosure.

Relevant case law includes : 1. * * Anderson Bros. Ford v. Valencia * *, 452 U.S. 205 ( 1981 ) which established that failure to provide mandatory disclosures under the Truth in Lending Act constitutes grounds for consumer protection action, affirming that consumers have the right to accurate information on their reports.

2. * * Mourning v. Family Publications Service , Inc. * *, 411 U.S. 356 ( 1973 ) which highlighted that creditors must meet strict compliance standards, including providing timely disclosures as outlined by the Truth in Lending Act.

3. * * Guimond v. Trans Union Credit Info. Co. * *, 45 F.3d 1329 ( 9th Cir. 1995 ) which reinforced that credit reporting agencies bear a responsibility to verify the legality and accuracy of information on consumer reports, and failure to investigate properly can result in statutory violations.

Given the above, I am requesting that Experian, Equifax, TransUnion immediately exclude these transactions from my consumer report, as their inclusion violates federal regulations and undermines the accuracy and integrity of my report.

This demand is made in line with the requirements of the Fair Credit Reporting Act and the Truth in Lending Act.

Please provide written confirmation within 15 days that these items have been excluded from my report.

Failure to do so will compel me to pursue all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and any necessary legal action.

I trust that Experian, Equifax, and TransUnion will address this matter promptly and uphold its obligation to maintain accuracy on consumer credit reports.

Sincerely, XXXX 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