Consumer complaint received 2025-02-18 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: MN

Complaint narrative:
I am writing to formally dispute the negative late payment entries reported by XXXX XXXXXXXX XXXX XXXXXXXX  on my credit report. The specific late payment information under dispute is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 
This dispute is made in accordance with the following legal provisions : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into any disputed information that I bring to your attention. I am asserting that the late payment records reported by XXXX XXXXXXXX XXXX  are incorrect, and I request that you conduct an investigation and remove these entries from my credit report if they can not be validated as accurate.

2. 15 U.S.C. 1681s-2 ( b ) As per the FCRA, furnishers of information, such as the institutions mentioned, are required to investigate disputes and correct any inaccurate or incomplete information provided to the credit bureaus. I request that you contact these creditors to verify the accuracy of the reported late payments.

3. 15 U.S.C. 1681b ( f ) It is prohibited for any party to access my credit report without a permissible purpose. If the creditors reporting of late payments was done inappropriately or without proper verification, the information should be promptly removed. 
4. 15 U.S.C. 1666i According to the Truth in Lending Act, any inaccuracies related to billing or late payment records, once disputed, must be thoroughly investigated and corrected. If the reported late payments on my accounts with the mentioned creditors are found to be unfounded, they must be deleted immediately.

5. 15 U.S.C. 1681n If you fail to correct the inaccuracies within the required 30-day timeframe or provide a detailed explanation for your failure to do so, I reserve the right to seek damages for your non-compliance under the FCRA. 
6. 15 U.S.C. 1681o In the event of any failure to comply with the investigation provisions of the FCRA, I may seek damages for negligent reporting and processing of my dispute. 
As a result of this dispute, I request the following actions from the credit bureaus : 1. Investigate the reported late payments from XXXX XXXX XXXXXXXX XXXX XXXX 
2. Remove the negative late payment entries from my credit report if they are not proven to be accurate after your investigation.

3. Provide written confirmation that the inaccurate information has been corrected and removed from my credit file. 
Please provide me with the results of your investigation within 30 days as required by law. Should you require any additional information or documentation to proceed with this dispute, please notify me promptly. 
I expect a full and prompt resolution of this matter in compliance with the relevant consumer protection laws.

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