Consumer complaint received 2025-05-22 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:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX you furnished alleged late payments on my TransUnion and Experian Credit Report that you identified as late. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. For any creditor to treat a payment as late you must prove the following : XXXX ) Each Periodic statement ; and XXXX ) The information required under XXXX XXXX XXXX ( b ) of this title ; XXXX ) was mailed out or delivered ; XXXX ) XXXX  Days before the payment due date please provide the proof that this information was mailed out or delivered XXXX  days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have XXXX calendar days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! 
I request in good faith under rule XXXX the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered XXXX days before the payment due date. Do not rely to me stating that you are furnishing accurate information because we both know your not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.

In addition to the 16 USC 1666b requirements the alleged late payment that you have furnished is negative information and as a financial institution by law you are required to be in compliance with 15 USC 1681 s-2 ( 7 ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section XXXX ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section XXXX ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. ( B ) Time of notice ( i ) In general The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than XXXX  days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ) of this title. 
Prove the tracking number for the notice with the date time year stamp of when this negative information notice was sent out to me before this negative information was furnished to the consumer reporting agency! This information is being requested in good faith pursuant Rule XXXX. 
Remove XXXX  day late payment

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