Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to address the alleged late payment you reported to [ Experian/XXXX/XXXX  ] XXXX which you have claimed is either accurate or verified. My prior dispute, however, was not a request for validation but for the specific documentation required to substantiate this late payment. Your response is insufficient, and I am requesting a detailed explanation of how this information was verified.

Timing of Payments 15 U.S. Code 1666b Under 15 U.S. Code 1666b, a payment can not be reported as late unless : 1. The periodic statement was sent at least 21 days before the payment due date.

2. The statement included all required information per 15 U.S. Code 1637 ( b ).

To ensure compliance, I request : Proof the periodic statement was mailed or delivered, including tracking or delivery confirmation.

Confirmation that the statement met all requirements under 15 U.S. Code 1637 ( b ).

Evidence the statement was sent at least 21 days before the payment due date. 

Without this proof, reporting the late payment violates federal law.

Accuracy of Reporting 15 U.S. Code 1681e ( b ) Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must ensure the maximum accuracy of reported information. To consider this late payment verified, you must provide sufficient evidence to prove its accuracy.

Responsibilities of Furnishers 15 U.S. Code 1681s-2 As per 15 U.S. Code 1681s-2, furnishers must : 1. Conduct a reasonable investigation upon receiving notice of a dispute.

2. Review all relevant information provided by the consumer.

3. Respond within the 30-day period required by 15 U.S. Code 1681i ( a ) ( 1 ).

4. Correct any inaccuracies and notify the consumer reporting agencies.

You have failed to provide required documentation or conduct a reasonable investigation. This failure violates 15 U.S. Code 1681s-2.

Procedure for Disputed Accuracy 15 U.S. Code 1681i Under 15 U.S. Code 1681i, if disputed information can not be verified, it must be removed from the consumers file. Continued reporting of unverifiable or inaccurate information also violates 15 U.S. Code 1681s-2 ( a ).

Request for Deletion Given your failure to provide adequate verification, I request the deletion of the following entries from my credit report : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Status : Charged off ( {$12000.00} written off and past due as of XX/XX/XXXX ). 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I expect a resolution within the legally required timeframe. If the information can not be verified, it must be removed from my credit report immediately.

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