Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
Dear XXXX XXXX XXXX I am writing to address the inaccurate information you provided regarding an alleged late payment reported to Experian/TransUnion, which you asserted was either " accurate '' or " verified '' [ choose the response the creditor used ]. However, my prior dispute did not seek validation or accuracy of the information but rather requested the required documentation to substantiate the late payment. Therefore, your response is not sufficient, and I am requesting a detailed explanation of how you verified this alleged late payment.

Timing of Payments - 15 U.S. Code 1666b Under 15 U.S. Code 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed. The law requires : 1. The creditor must mail or deliver the periodic statement, including all the information required by 15 U.S. Code 1637 ( b ), no later than 21 days before the payment due date.

I previously requested this documentation, which is necessary in order for you to lawfully report a payment as late. To ensure compliance, I request the following : 1. Proof that the periodic statement was sent to me, including tracking information or email delivery confirmation.

2. Confirmation that the statement included all information required under 15 U.S.

Code 1637 ( b ).

3. Evidence that the statement was mailed or delivered at least 21 days before the payment due date.

Without this proof, the reported late payment can not be substantiated.

Accuracy of Reporting - 15 U.S. Code 1681e ( b ) Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum accuracy of the information reported.

Therefore, for any information to be considered " verified, '' there must be sufficient evidence to support the truthfulness of the information provided.

Responsibilities of Furnishers - 15 U.S. Code 1681s2 As per 15 U.S. Code 1681s2, a furnisher of information has specific responsibilities when it comes to disputed information : 1. After receiving notice of a dispute, the furnisher must : a. Conduct a reasonable investigation of the disputed information.

b. Review all relevant information provided by the consumer.

c. Complete the investigation and report the results to the consumer before the end of the 30-day period required by 15 U.S. Code 1681i ( a ) ( 1 ).

d. If the investigation finds the information to be inaccurate, the furnisher must promptly notify the consumer reporting agencies and provide any necessary corrections.

You failed to provide the required documentation and did not conduct a proper investigation into the disputed late payment. This failure to verify the information within the legally prescribed timeframe is a violation of 15 U.S. Code 1681s2.

Procedure in Case of Disputed Accuracy - 15 U.S. Code 1681i Under 15 U.S. Code 1681i ( a ), when a consumer disputes the accuracy of information on their credit file, the consumer reporting agency must conduct a reasonable reinvestigation.

If the disputed information is found to be inaccurate or unverifiable, it must be deleted from the credit report.

15 U.S. Code 1681i ( a ) ( 5 ) states that if an item of information can not be verified, the consumer reporting agency must delete it from the consumers file. If the information is found to be inaccurate, the consumer reporting agency must also notify the furnisher and provide any necessary corrections.

Reporting Inaccurate Information - 15 U.S. Code 1681s-2 Furthermore, 15 U.S. Code 1681s-2 ( a ) prohibits a furnisher from reporting inaccurate information to a consumer reporting agency if the furnisher knows or should reasonably know the information is incorrect. It also prohibits reporting information after the furnisher has been notified of the inaccuracy and has not corrected it.

Your failure to properly investigate the disputed late payment and your continued reporting of inaccurate information constitutes a violation of this provision. By knowingly providing inaccurate information, you are violating 15 U.S. Code 1681s-2 ( a ).

Request for Deletion Due to the failure to provide adequate verification and the violation of the above- mentioned laws, I request that the following late payment information be deleted from my consumer report : XXXX XXXX XX/XX/year> I expect a prompt response and resolution within the time frame required by law. If this information can not be verified, it must be deleted from my credit file immediately. 
Sincerely,

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