Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX **Subject : ** Notice of Dispute and Request for Late Payment Removal Dear XXXX, I trust this letter finds you well. I am writing to formally dispute the presence of late payments reported by your organization on my credit report. I believe these late payments to be inaccurate and unjust, and I kindly request their removal in accordance with applicable laws and regulations. 

The late payments in question are associated with the following account : - Account Information : - Account Name XXXX XXXX - Account Number : XXXX - Date ( s ) of Late Payment ( s ) : XX/XX/year> I have attached a copy of my XXXX credit report verifying that the XX/XX/year> payment was, in fact, paid on time and never late. 

I wish to emphasize my commitment to fair and accurate credit reporting. These late payments have significantly impacted my creditworthiness and caused undue financial hardship and emotional distress. 

It is my understanding that your organization has a responsibility to report accurate information to the credit bureaus. Given my belief that these late payments are not reflective of my payment history, I hereby request their removal from my credit report. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and related regulations. 

I also want to bring to your attention an important matter regarding our original agreement. The arbitration clause within our agreement outlines a mechanism for dispute resolution that we both agreed upon. It is my sincere hope that we can resolve this matter amicably and avoid the necessity for arbitration, which could result in substantial costs and fees for both parties.

Therefore, I propose the following options for resolution : 1. Remove Late Payments Kindly request that your organization promptly remove the late payments from my credit report, thereby rectifying the inaccuracies and ensuring my credit history is accurately represented.

2. Initiate Arbitration Should your organization prefer not to remove the late payments, I am prepared to initiate arbitration proceedings as allowed by our agreement. This process may entail substantial costs and fees, including my filing fee, your filing fee, arbitration initiation fee, arbitrator deposit, and any legal costs incurred during the arbitration process.

I firmly believe that an amicable resolution is in the best interests of both parties. However, I am fully prepared to pursue arbitration should that be necessary to uphold my rights and ensure fair credit reporting.

Please respond to this notice within a reasonable time frame to confirm your willingness to remove the late payments or to express your intent to proceed with arbitration. Your prompt response is appreciated and will help facilitate a timely resolution to this matter.

Thank you for your attention to this issue. I look forward to your response and the possibility of resolving this matter in a manner that ensures fair and accurate credit reporting. 

Sincerely, 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