Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against TD RCS/SAMSUNG for Failure to Remove Incorrect Late Payment Reporting Preparer Information : This complaint has been prepared by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a Non-Attorney, on behalf of XXXX XXXX XXXX XXXX that the matter is appropriately documented and submitted for CFPB review . 
Complainant Information : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Government Identifiers : [ Last XXXX digits of Social Security Number, if required ] Complaint Summary This complaint is being filed against XXXX XXXX for XXXX to accurately report my payment history and remove negative remarks despite my compliance with an agreement to resolve the overdue balance. This misreporting has negatively impacted my XXXX XXXX, leading to financial harm and potential disruptions in obtaining a mortgage. 
Complaint Details Account Information : Creditor : XXXX XXXX  Account XXXX ( Last XXXX Digits ) : XXXX Type of Account : Revolving Charge Account Credit Limit : {$680.00} High Credit : {$2200.00} Date Opened : XX/XX/XXXX Account Status : Closed by Creditor ( XX/XX/XXXX ) Past Due Balance : {$67.00} ( Now Paid in Full ) Delinquencies Reported : 30 Days Late : XXXX time 60 Days Late : XXXX times XXXX Days Late : XXXX times Last Reported Late Payment : XX/XX/XXXX Remarks : " Paid ; Closed by Creditor '' Nature of the Dispute & XXXX XXXX  's Breach of Agreement XXXX XX/XX/XXXX, I noticed that XXXX XXXX had reported a {$67.00} overdue balance late. I immediately took action and paid the balance in full, in compliance with their requirements to maintain a positive credit standing. 
Following this payment, XXXX XXXXXXXX representatives assured me that my late payment history would not be reported negatively due to my prompt payment and resolution of the balance. However, despite this agreement : XXXX XXXX reported XXXX and XXXX late payments to credit bureaus ( XXXX, Experian, and XXXX ) XXXX 
My credit report reflects negative remarks and a history of delinquencies that were not supposed to be reported per the agreement. 
The reporting is inaccurate, as I paid the balance within the agreed timeframe and met all conditions outlined bXXXX XXXX XXXX 
I have repeatedly contacteXXXX XXXX XXXX  to XXXX the inaccurate reporting. Still, they have failed to correct the issue, remove the late payments, or provide written confirmation of their agreement. 
Legal Violations & Consumer Rights XXXX XXXX XXXX failure to accurately report my payment history violates : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( B ) XXXX XXXX  is legally required to furnish only accurate and complete Credit reporting data. Their failure to correct the misreported late payments and comply with their agreement violates FCRA regulations. 
XXXX. Breach of Contract Failure to Uphold an AgreemenXXXX XXXX XXXX XXXXs XXXX agreement to prevent adverse reporting upon timely payment creates a contractual obligation. Since I fulfilled my end of the agreement, their failure to remove the derogatory marks constitutes a breach of contract.

3. Unfair and Deceptive Practices ( UDAP ) 12 U.S.C. 5531 Misleading consumers to believe timely payments will prevent adverse credit reporting, only to report derogatory marks later, is deceptive and unfair business conduct.

Requested Resolution & Relief Sought I respectfully request that the CFPB take immediate action to investigate and ensure XXXX XXXX  : XXXX update all credit bureaus ( XXXX, Experian, and XXXX ) XXXX remove the late payment records. 
Provides written confirmation that the late payment has been removed from my credit reports. 
Issues a formal response acknowledging their failure to uphold the agreement and detailing corrective measures. 
Prevents further adverse reporting related to this account. 
Supporting Documentation The following documents are attached as evidence to support my claim :

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