Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for my XXXX XXXX XXXXXXXX account ( Account XXXX XXXX XXXX XXXX. These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant U.S. laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution.

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for this account are inaccurate. Specifically, the reports indicate late payments for the following months : XXXX and Experian : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
XXXX : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
My payment history shows no record of late payments, as I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : These discrepancies violate 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy of the information in consumer reports.

Under 15 U.S. Code 1681i, credit bureaus must conduct a reasonable reinvestigation of disputed information.

Additionally, 15 U.S. Code 1681s-2 mandates furnishers of information to provide accurate data to credit bureaus.

Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information. 
Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts. 
Account Information : High Balance : {$430.00} Date of Last Activity : XX/XX/year> Balance Owed : {$39.00} Payment Amount : {$49.00} Credit Limit : {$3700.00} Requested Resolution : I request : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i.

Provide detailed information and evidence supporting the reported late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year>. If no evidence can be provided, I demand that the inaccurate entries be removed from my credit file.

Correct all discrepancies to ensure my credit file accurately reflects my 100 % on-time payment history.

Provide written confirmation of these corrections within 30 days of receipt of this letter.

Failure to resolve this matter promptly may lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ). 
Thank you for your immediate attention to this matter. 

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