Consumer complaint received 2025-01-31 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:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am writing to formally dispute the inaccurate late payment reporting for my XXXX XXXX XXXX  account ( # XXXX ) on my credit report. Despite submitting multiple dispute letters dated XX/XX/XXXX and XX/XX/XXXX, no corrections have been made. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
The account details reported by your bureau contain significant discrepancies : Account Information : High Balance : {$30000.00} Last Verified : XX/XX/XXXX ( XXXX ) ; Not updated ( Experian and XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian and XXXX ) Balance Owed : {$6500.00} Payment Status : Current Creditor Remarks : No remarks provided by the creditor, leaving room for misinterpretation. 
Late Payment Errors : XXXX late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX across all three credit bureaus ( XXXX, Experian, and XXXX ) XXXX 
Inconsistencies in Date of Last Activity : Experian shows XX/XX/XXXX, while XXXX and XXXX show XX/XX/XXXX. 
Failure to Mark Dispute Status : The account is marked as " Account not disputed '' across all bureaus, despite ongoing dispute efforts. 
FCRA Violations : 15 U.S. Code 1681i : Credit reporting agencies must ensure the maximum possible accuracy of the information reported. The discrepancies listed above demonstrate non-compliance.

15 U.S. Code 1681b : My consumer information was used inaccurately in reporting false payment data.

TILA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payments indicate a failure in compliance with this requirement.

Impact and Resolution : The continued inaccuracy in my credit report has caused undue harm to my creditworthiness, affecting my financial opportunities.

I am requesting the following immediate corrective actions : Remove the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Provide written confirmation of the correction.

Ensure compliance with the FCRA and TILA to prevent future reporting errors.

If this matter is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse if necessary.

Please confirm receipt of this letter and inform me of the actions taken within 30 days as required by law. 
Sincerely, XXXX 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