Consumer complaint received 2025-03-11 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:
Dear Experian, I am writing regarding the recent response you provided in relation to my dispute about an alleged late payment reported on my consumer report. You Experian stated that the information was either " accurate '' or " verified '', however, my previous dispute did not specifically request verification or validation of this information. 

On XX/XX/XXXX through XX/XX/XXXX, you reported the transaction as a late payment on my credit report. I believe this report to be inaccurate, and I am seeking further clarification and proof that this payment was lawfully reported as late. 

Legal Requirements for Reporting Late Payments Under 15 U.S. Code 1666b ( Timing of Payments ), a creditor may not report a payment as late unless specific procedures are followed : 1. The creditor must send the periodic statement to the consumer, which includes all information required by 15 U.S. Code 1637 ( b ).

2. The statement must be mailed or delivered no later than 21 days before the payment due date.

I am requesting that you provide the following : 1. Proof that the creditor sent the periodic statement, including any tracking numbers or proof of email receipt. 
2. Confirmation that the statement included all required information 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.

If you are unable to provide this evidence, the payment can not be lawfully reported as late.

Accuracy of Information - 15 U.S. Code 1681e ( b ) Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information being reported. This means that for the information to be accurate, the reporting agency must verify the accuracy and completeness of the reported information.

Procedures for Disputed Information - 15 U.S. Code 1681i Under 15 U.S. Code 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation when information is disputed. Specifically : 1. If the accuracy of any information in the consumer 's file is disputed, the agency must conduct a reinvestigation to determine whether the disputed information is accurate or incomplete.

2. If the information can not be verified, it must be deleted from the consumers file.

I am requesting that you provide the following, pursuant to 15 U.S. Code 1681i : 1. A description of the procedure used to determine the accuracy and completeness of the information.

2. The name and contact information of the furnisher of the information, including the business name, address, and phone number. 

If the disputed information can not be verified, it must be deleted. This includes situations where the furnisher can not conclusively prove that the information is accurate. 

Request for Deletion If you are unable to provide the required documentation or proof that the creditor followed the necessary procedures under the law, I request that the following alleged late payments be deleted from my consumer report : XXXX XXXX XXXX I expect a full reinvestigation of this matter and request that you provide a response within the time frame required by law. 
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