Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to dispute the inaccurate reporting of a late payment on my credit file. This false entry has caused unjustified damage to my credit reputation and financial standing. I am requesting that a full investigation be conducted immediately. 
Disputed Account Information Creditor Name : XXXX Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Alleged Late Payment : XX/XX/2023 to XX/XX/2023 I firmly dispute the accuracy of this reported late payment. The account in question has been paid on time and should correctly reflect the status Paid As Agreed Never Late.

Legal Basis for Investigation and Correction Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i Under this section, I am exercising my right to dispute any inaccurate, incomplete, or unverifiable information appearing on my credit report. If the furnisher of information can not provide verifiable evidence supporting this late payment claim, it must be deleted or corrected immediately.

Truth in Lending Act ( TILA ) 15 U.S.C. 1637 ( b ) Creditors are legally obligated to issue accurate billing statements and report information consistent with the consumers actual payment performance. Any deviation constitutes an error that must be promptly rectified.

Responsibilities of Information Furnishers 15 U.S.C. 1681s-2 Entities furnishing data to credit bureaus are required to ensure that the information is both accurate and complete. Reporting unverifiable or false late payments violates this obligation and federal consumer-protection standards.

Requested Actions I respectfully request that the CFPB require the furnisher and the credit bureaus to : Conduct a complete reinvestigation of this account under 1681i and 1681s-2.

Provide verifiable documentation substantiating the alleged late payment, including the payment date, due date, amount, and communication record.

If the information can not be fully verified, instruct the furnisher and all credit bureaus to update the account status to Paid As Agreed Never Late.

Provide written confirmation of the completed investigation and any updates to my file within 30 days, as mandated by the FCRA.

Notice of Compliance and Accountability Failure to comply with the statutory timelines or to correct unverified information will be considered a violation of the FCRA and other applicable consumer-protection laws. Continued inaction or incomplete responses will result in escalation to appropriate oversight agencies or legal channels for enforcement.

My credit report must reflect factual, verifiable information that accurately represents my payment behavior. I trust that this matter will receive prompt attention and resolution in compliance with federal law.

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