Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
With the help of the CFPB I formally disputing the accuracy, completeness, and legal permissibility of the late payment information you XXXX  ( Furnisher ) and Experian ( the Consumer Reporting Agency ) are furnishing on my credit report. The alleged late payments listed below are inaccurate and legally impermissible under federal law : Account Name : XXXX XXXX. 
Account Number : XXXX Alleged Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( FCRA 1681e ( b ), which mandates data furnishers to ensure maximum possible accuracy ) 2. Applicable Laws and Compliance Requirements to be Treated As Late Under 15 U.S.C. 1666b ( TILA ), a payment can not legally be treated as late for any purposeincluding credit reportingunless the creditor can prove all of the following : 1. Each periodic statement was mailed or delivered using reasonable procedures.

2. The statement contained all disclosures required under 15 U.S.C. 1637 ( b ).

3. The statement was provided not less than 21 days before the due date.

4. The creditor complied with all applicable mailing and delivery standards.

If the creditor CAN NOT prove all four conditions, the payment can not be treated as late under federal law. 

3. YOU MUST ENSURE MAXIMUM POSSIBLE ACCURACY Under 15 USC 1681e ( b ) A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy You can not knowingly report a late payment unless : It is accurate It is legally permissible under 1666b You verified compliance with 1637 ( b ) disclosures You verified 1681s-2 ( 7 ) required negative-information notice was given to the consumer If you can not provide proof You must DELETE the late payment entirely 4. Formal Demand for Proof of Compliance Within 30 days or less, as required by FCRA 1681 ( a ) ( 1 ) ; A. Proof under 1666b and 1637 ( b ) : Send : Copies of each periodic statement allegedly mailed.

Mailing or delivery logs showing statements were sent at least 21 days before the due date.

Full 1637 ( b ) compliant disclosures.

Itemized account-level ledger showing dates, amounts, and payment history.

B. Proof of negative information notice under 1681s-2 ( 7 ). 
Copy of the written notice that late information would be furnished XXXX or electronic tracking number Date/time the notice was sent Proof it was mailed before or within 30 days of furnishing negative information If you can not produce this Under federal law the late payment can not legally exist If you can not provide actual documentation, the information is legally inaccurate and must be deleted.

5. Legal Precedent XXXX v. Midland Credit Management , Inc., 827 F.3d 1295 ( 11th Cir. 2016 ) This case establishes that : The furnisher bears the burden of proving the accuracy and legal validity of the information they report once a consumer disputes it. 
If the furnisher can not provide actual documentation, the information is legally inaccurate and must be deleted. 

Under XXXX v. Midland Credit Management , Inc., 827 F. 3d 1295 ( 11th Cir.2016 ) the court held that once a consumer disputes information it reports, including maintaining and providing account level documentation sufficient to verify the disputed information. 
XXXX XXXX and XXXX  failed to produce any documentation required to prove Please be advised that a generic or automated verification is insufficient. If you can not produce competent evidence demonstrating the accuracy and completeness of the disputed information- including the furnishers documentation used to verify the account accuracy and completeness- the continued reporting of these items is unlawful. 

CC.d, 1. Consumer Financial Protection Bureaus 2. Federal Trade Commission 3. XXXX XXXX XXXX 4. XXXX Police Department 5. State Attorney General Office 6. General Counsel ( Intent to Sue )

Company response to consumer: Closed with explanation