Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
Date : XX/XX/XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request for Permanent Deletion of Inaccurate Late Payments ( XXXX XXXX Bank XXXX XXXX XXXX ) Dear Experian, Equifax, and TransUnion XXXX XXXX, I am writing to formally dispute the reporting of multiple late payment entries associated with the following credit accounts on my consumer reports. I believe these entries are inaccurate, unverifiable, or misleading, and I am requesting that they be permanently deleted in accordance with federal consumer protection laws, Metro 2 reporting standards, and Regulation F. 

Disputed Late Payments : XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. XXXX XXXX Reported Late Payments : XX/XX/XXXX through XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Legal Basis for Deletion : Metro 2 Format Compliance Under Metro 2 guidelines established by the XXXX XXXX XXXX XXXX ( XXXX ), credit furnishers must accurately code payment history using standardized fields such as : Field 28B Payment History Profile ( PHP ) Compliance Condition Code XB Account in Dispute Base Segment Code 17 Accurate account status reporting If these lates were not properly documented or verified using these Metro 2 fields, they constitute inaccurate reporting and must be removed.

Regulation F 12 CFR Part 1006 Regulation F mandates that creditors and collectors must clearly and accurately validate consumer information and cease reporting unverifiable data. Continuation of unverified or disputed lates violates this federal regulation. 

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Each credit bureau is required to follow reasonable procedures to ensure maximum accuracy. These late entries do not reflect accurate history and should therefore be removed.

15 U.S.C. 1681i Reinvestigation of Disputed Information Upon notification of a dispute, credit bureaus must reinvestigate the information in question and delete or correct any unverifiable or inaccurate entries within 30 days. 

My Formal Requests : XXXX. Immediately delete the late payments listed above for XXXX XXXXXXXX XXXX  and XXXX XXXX. 

2. Provide full documentation verifying each disputed entry, including Metro 2 data from the furnishers.

3. Block these late payments from reinsertion unless fully verified per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

4. Provide a written response confirming the outcome of your reinvestigation.

If these inaccurate entries are not corrected, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and consider legal remedies under 15 U.S.C. 1681n & 1681o for willful or negligent noncompliance.

Thank you for your prompt attention to this dispute. I expect a full resolution within the legally mandated time frame. 

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