Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Formal Dispute of Inaccurate Late Payment Reporting for XX/XX/year> Request for Immediate Correction and Compensation Consideration To Whom It May Concern, I am writing to formally dispute a XXXX late payment inaccurately reported by XXXX XXXXf XXXX XXXX XXXX ) for XX/XX/year>, as currently reflected on my consumer credit report. This notice is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ), 1681i, and 1681s-2 ( a ) ( 1 ) ( A ) and ( b ). 

Account Details : Creditor : XXXX  XXXX XXXX Account Type : Credit Card XXXX Account Holder : XXXX XXXX XXXX XXXX Date of Disputed Reporting : XX/XX/year> Summary of Dispute : XX/XX/year> @ XXXX XXXX  : I proactively submitted my XXXX payment of {$780.00}, well in advance of the XX/XX/XXXX due date. 

XX/XX/year> : I was alerted by XXXX of a {$40.00} late fee. I immediately contacted customer service. The representative acknowledged their internal processing error and issued a same-day credit reversal of the late fee. 

XX/XX/year> : I made a follow-up payment of {$450.00} intended for XXXX. 

XX/XX/year> : I applied to refinance a second mortgage with my current lender XXXX XXXX XXXX XXXX XXXX ) but was denied the best rate due to a derogatory XXXX late payment reported by XXXX  for XX/XX/year>. 

Ongoing Impact : Prior to this incident, my credit score consistently ranged between XXXX. As a direct result of the XXXX derogatory mark, my score has dropped to the XXXX, resulting in : Loss of favorable loan terms, including higher interest rates. 

Projected financial damages of over {$4500.00} in fees over the next 60 days, as I was unable to consolidate my credit card balances at lower APRs. 

A long-term projected cost increase of over {$23000.00} due to a XXXX refinance rejection based solely on this false delinquency. 

Legal Position & Supporting Documentation : Under FCRA 1681e ( b ), CRAs are required to follow reasonable procedures to assure maximum possible accuracy. The information reported by XXXX for XX/XX/year> fails this standard. Additionally, FCRA 1681s-2 ( a ) prohibits a furnisher from reporting information it knows or has reasonable cause to believe is inaccurate. 

While BOA has allegedly submitted a correction to the CRAs, I have been denied any documentation confirming the correction in the interim. This deprives me of evidence I need to mitigate financial harm, and no consumer should suffer economic damages due to a known and acknowledged technical error. 

Requested Action : Immediate deletion or correction of the XX/XX/year> XXXX late payment notation across all consumer reporting agencies ( Equifax, Experian, and TransUnion ) XXXX 

Written confirmation of the correction for my records. 

Recompense or resolution for financial damages, either through your in-house executive resolution team or legal settlement negotiations. 

XXXX  cooperation in responding to any reinvestigation request submitted by me or by a regulatory agency ( e.g., CFPB or State AG office ). 

Please note that I have preserved all supporting documentation, including payment confirmations, timestamps, correspondence logs, and call records verifying acknowledgment of error and removal of fees. 

If this matter is not resolved within XXXX business days, I reserve the right to pursue further action including but not limited to CFPB complaints, state Attorney General involvement, or legal claims for damages incurred due to negligent credit reporting. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX Mailing : XXXX XXXX XXXX XXXX, XXXX, KY

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