Consumer complaint received 2025-08-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSC : XXXX D.O.B. : XX/XX/XXXX XX/XX/XXXX EQUIFAX CREDIT REPORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION CREDIT REPORTING AGENCY XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN CREDIT REPORTING AGENCY XXXX XXXX XXXX XXXX XXXXXXXX TO : LEGAL DEPARTMENT Re : Formal Dispute and Demand for Deletion of Inaccurate Late Payment Reporting Violation of 15 U.S.C. 1666b and 15 U.S.C. 1637a To Whom It May Concern, ACCOUNT NAME : DEPT OF EDUCATIONXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : DEPT OF EDUCATIONXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : DEPT OF EDUCATIONXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : DEPT OF EDUCATIONXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : DEPT OF EDUCATIONXXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX This is a formal, legally binding dispute regarding the reporting of late payments on my credit file for the account ( s ) listed below. The reported late payments are false, unverifiable, and in direct violation of federal law.

Under 15 U.S.C. 1666b, any creditor must apply payments as of the date they are received and may not misapply them in a manner that creates or extends delinquency. The alleged late payments you have reported can not be accurate if my payments were applied in accordance with this statute. Failure to properly apply payments is a violation of the Truth in Lending Act and renders the reporting of such delinquencies illegal.

Further, 15 U.S.C. 1637a mandates full, accurate disclosure of account terms, billing cycles, and payment due dates. If you are reporting late payments without providing complete and accurate disclosures or if your records can not produce verifiable, contemporaneous evidence proving the date and application of each payment, then this reporting is willfully deceptive and must be permanently deleted.

I am invoking my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) to dispute the accuracy of this information. You are hereby required to : 1. Provide full documentation including original account statements, payment histories, and internal records proving that payments were received late and applied in compliance with 1666b.

2. Prove that all disclosures required by 1637a were provided, acknowledged, and remain compliant with federal law.

3. Delete the inaccurate late payment entries from my credit file if you can not provide such proof within the statutory time frame.

Be advised : Continuing to report false payment histories constitutes willful noncompliance under federal law, making you subject to civil liability under 15 U.S.C. 1681n and 1681o.

If this matter is not resolved within the time allowed by law, I will escalate to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action for statutory damages, attorneys fees, and costs.

I expect your written confirmation of deletion or complete supporting documentation within 30 days from your receipt of this letter.

This is not a request it is a demand for immediate compliance with federal law.

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