Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : CFPB Late Payment Removal - Final Request for XXXX XXXX XXXX Account Dear CFPB Representative, I am filing a formal complaint against the credit bureaus XXXX, Experian, and XXXX for failing to correct inaccuracies regarding late payments reported on my credit report for the XXXX XXXX XXXX  account ( Account Number : XXXX ). Despite previous disputes submitted on XX/XX/XXXX and XX/XX/XXXX, these errors remain unresolved, violating my federally protected rights under multiple consumer protection laws. Account Discrepancies The following discrepancies and errors have been identified for the XXXX XXXX XXXX account : XXXX. XXXX XXXX payments reported for the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, despite the account being marked as " XXXX '' and showing no past due amount ( {$0.00} ). The account status is listed as " XXXX '' and " XXXX '', which conflicts with the reported late payments. 
These inconsistencies damage the integrity of the payment history. XXXX. Experian XXXX payments reported for the same dates as XXXX : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, while the account is marked as " XXXX '' and " XXXX. '' The credit report fails to specify how these late payments were calculated, further violating accuracy requirements. XXXX. XXXX XXXX payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, even though the account status is " XXXX '', and the payment status is " XXXX ''. 
These late payments conflict with the account 's overall history and the reported monthly payments made on time. 
These discrepancies across all three credit bureaus highlight a systemic failure to maintain accurate reporting, significantly harming my credit profile and financial reputation. Violations of Federal Laws XXXX. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of my credit report. 15 U.S. Code 1681i : Failure to investigate and correct inaccurate information after my initial disputes. XXXX. Truth in Lending Act ( XXXX ) : Reporting false late payments contradicts the requirement to provide accurate and timely disclosures to consumers. XXXX. XXXX XXXX ( XXXX ) : 15 U.S. Code 6801 : Failure to ensure the privacy and accuracy of my financial information. XXXX. FTC Act and Privacy Rights : 18 U.S. Code 1028A : The continued reporting of incorrect information constitutes misrepresentation and fraud under federal law. Formal Request for Immediate Correction I formally demand the immediate removal of all inaccurate late payment entries for the TD AUTO FIN account from XXXX, Experian, and XXXX. Specifically : Update the payment status to " Paid As Agreed, Never XXXX. '' Correct the payment history to reflect accurate details, removing all reported late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Provide documented proof if these inaccuracies are upheld, including dates, amounts, and any communication records validating the late payments. Supporting Evidence Attached is the detailed account screenshot highlighting the discrepancies, along with documentation from prior disputes. 
XXXX Requested XXXX. XXXX removal of the late payment entries. 
XXXX. Written confirmation of the correction. XXXX. Compliance with federal laws as outlined above. 
Failure to resolve this matter within 30 days will result in further action, including additional complaints to relevant agencies and potential legal escalation. 
I trust that this issue will receive the prompt attention it requires. 
Thank you for your immediate assistance. 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