Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). This inaccurate reporting has negatively affected my credit profile, and I am requesting an immediate investigation into this matter.

Details of the Disputed Late Payment : Creditor Name : XXXX Account Number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Alleged Late Payment : XX/XX/XXXX to XX/XX/XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately. I had eight late payments on an account that I, in fact, paid on time. The consumer reporting agencies must ensure all reported information is accurate.

I have attached a copy of my report with details of the disputed dates. I request that you investigate this account and update these payments to " Paid On Time '' immediately.

Legal Basis for Dispute : Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681i I am exercising my right under this section to dispute inaccurate information on my credit file. The reported late payment does not accurately reflect my payment history, and I am requesting a formal investigation and correction.

Truth in Lending Act ( TILA ) - 15 U.S. Code 1637 ( b ) Creditors must provide clear and accurate billing statements to consumers. If this late payment reporting does not align with the terms of my agreement, it constitutes an error that should be rectified immediately. 
Obligations of XXXX XXXX - XXXX XXXX XXXX XXXX Creditors and furnishers must ensure the accuracy of the information reported to credit bureaus. If the creditor can not substantiate the late payment with verifiable documentation, they must remove it from my credit file. 
Request for Description of Investigation Process : Pursuant to XXXX XXXX XXXX XXXX ( a ) ( XXXX ), credit reporting agencies must provide a description of the investigation process within 15 days of receiving a consumers dispute. Therefore, I request a detailed explanation of the procedures used to verify this account.

If you can not update my payments to " Paid On Time, '' please provide the required information regarding your investigative process.

Additionally, under 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer and the person making the report. Payment history and any associated late payments negatively impact my report and must be accurate.

Requested Actions : Conduct a thorough investigation and provide a written response within 30 days, as required by law. 
If the late payment can not be verified, instruct the creditor to update my account status to " Paid As Agreed, Never Late. '' Notify Experian and TransUnion to reflect the corrected information on my credit report.

Provide a detailed description of the investigation process used to verify this account, as required by law.

Final Notice : Failure to properly investigate and correct this inaccurate information may result in further actions, including potential escalation to legal authorities for non-compliance with federal consumer protection laws. 
I have enclosed copies of all supporting documents related to this dispute. Please acknowledge receipt of this complaint and provide a written update within the legally mandated timeframe. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting - Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX, I am writing to formally dispute the inaccurate reporting of a late payment on my account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Based on my review and understanding of federal laws, this reporting constitutes an error and violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Legal Basis for Dispute : Violation of 15 U.S.C. 1681a ( a ) ( 2 ) ( A ) ( i ) The law explicitly states that a consumer report should not contain information solely related to transactions or experiences between the consumer and the person making the report. The negative impact of this late payment on my credit file is improper as it stems from an internal reporting issue that does not meet the statutory threshold for inclusion in my consumer report. 
Failure to Provide Reasonable Procedures- 15 U.S.C. 1681e ( b ) As a data furnisher, you are legally required to maintain and follow reasonable procedures to ensure the accuracy of the information reported to consumer reporting agencies. I request that you provide documented evidence of the specific procedures used to verify and report the alleged late payment, including : Proof of when the billing statement was generated and mailed, Proof that the statement complied with 15 U.S.C. 1666 ( b ), ensuring it was provided at least 21 days before the due date, Documentation confirming the due date and when my payment was received. 
Account Status - " Paid As Agreed Never Late '' My payment history demonstrates compliance with the agreed-upon terms, and I assert that the late payment reporting is erroneous. Any derogatory reporting that does not accurately reflect my payment activity must be removed immediately to comply with FCRA guidelines. 
Duty to Conduct a Reasonable Investigation - 15 U.S.C. 1681s-2 I formally request that you conduct a reasonable and prompt investigation into this matter, as required by law. If you are unable to verify the accuracy of the reported late payment with proper documentation, you are obligated to correct the report and notify the credit bureaus ( Experian, XXXX, and XXXX  ) of the necessary updates. 
Required Action : Provide all supporting documentation verifying the legitimacy of the reported late payment. 
If unable to verify, immediately correct my account status to " Paid As Agreed Never Late. '' Update my report with all relevant credit bureaus and provide written confirmation of the corrections within 30 days.

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed Never Late '' based on the timely payments made. It is imperative that my credit report accurately represents my financial responsibility and commitment to meeting payment obligations. 
I hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly. 
If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA. 
I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
If you fail to provide adequate proof, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action for non-compliance with federal laws governing fair credit reporting. 
I expect a response within 30 days of receiving this letter. Failure to comply will be deemed an admission that the reporting is inaccurate, and I will pursue all available legal remedies to enforce my rights. 
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