Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my * * FINAL demand * * for a full, reasonable reinvestigation and immediate correction of materially inaccurate information currently being reported on my Experian consumer file relating to my mortgage account ( s ). The attached document ( above ) demonstrates inconsistent and inaccurate reporting for example, a reporting pattern showing ND or paid in one reporting period followed immediately by a 60-day or greater delinquency in the next period, reporting that is factually impossible and therefore inaccurate.

I dispute the accuracy and completeness of these late-payment notations and demand that Experian do the following * * without delay * * and within the statutory reinvestigation period required by the Fair Credit Reporting Act : 1. * * Conduct a reasonable reinvestigation * * of the disputed mortgage tradeline ( s ) and confirm, in writing, the results. ( FCRA : 15 U.S.C. 1681i ).

2. * * Require the furnisher ( s ) * * to produce, and deliver to me and to Experian, the complete, legible, and authenticated documentation they relied upon to report each alleged late payment, including but not limited to : Complete monthly payment history showing dates payments were posted ; Original account statements from the mortgage servicer ( with posting timestamps ) ; Evidence of any payments received ( copy of checks, electronic payment receipts, ACH logs with timestamps ) ; Any internal payment allocation records that caused a partial payment to be posted as late ; Any notes, remarks, or system logs that the furnisher used to mark any month 30/60/90+ late ; and Chain of servicing records ( if servicer changed ) showing who owned or serviced the loan at the times in question.

3. * * If the furnisher can not produce admissible documentation * * proving the late payment ( s ) were accurate and timely posted, you must * * correct * * the tradeline ( s ) to reflect * PAID AS AGREED / NEVER LATE ( PA / PAANL ) * * for each disputed period and delete any ND/30/60/90+-day derogatory notations from my Experian file and notify all nationwide consumer reporting agencies of the correction or deletion, per 15 U.S.C. 1681s-2.

4. * * If Experians procedures permitted or caused the inaccurate reporting * *, note that Experian must maintain reasonable procedures to assure maximum possible accuracy. Failure to ensure maximum possible accuracy violates 15 U.S.C. 1681e ( b ). I assert Experians obligations under 1681e ( b ) were not satisfied here. ( [ U.S. Code ] [ 3 ] ) 5. * * Payment timing protections ( TILA / timing of payments ). * * If any alleged late reporting was caused by a creditor or servicer mailing/processing delay or by payment application rules, note that under 15 U.S.C. 1666b a creditor may not treat a payment as late if the creditor did not follow reasonable procedures for statement delivery or payment posting. If delays or mis-applied payments occurred, those late flags are invalid and must be reversed. ( [ Legal Information Institute ] [ 4 ], [ GovInfo ] [ 5 ] ) 6. * * Preservation demand. * * Preserve immediately all underlying source records, logs, emails, images, check images, ACH traces, system metadata, chain-of-custody, and any documents relied upon during any reinvestigation do not destroy, alter, or delete any potentially relevant evidence.

7. * * Document production and timeline. * * Provide me, in writing, within * * 30 calendar days * * of your receipt of this demand : a ) The results of your reinvestigation ; b ) Copies of all documents the furnisher provided to you to support its reporting ; and c ) If you decline to remove or correct any disputed item, provide a detailed explanation naming the person ( s ) or department that verified the entry, the specific documents relied upon, and the exact reason ( s ) for refusal.

8. * * Corrected consumer report & notice. * * If deletion or correction occurs, provide a corrected consumer report to me and notify me in writing within * * 5 business days * *. Also notify all recipients who received the inaccurate report within the prior six months ( or two years where required ) per FCRA procedures.

9. * * Failure to comply / statutory remedies. * * If Experian or the furnisher ( s ) fail to conduct a reasonable reinvestigation, fail to produce the requested documentation, or continue to report inaccurate lateness, I will pursue all available remedies including, but not limited to : civil claims under 15 U.S.C. 1681n and 1681o for willful/negligent violations of the FCRA ( statutory and actual damages, punitive damages, costs and attorneys fees ), lodging formal complaints with the CFPB and state attorney general, and initiating civil action.

10. * * Monetary demand ( preservation of claim ). * * I reserve the right to seek statutory and actual damages ( including emotional distress, denial of credit, lost opportunities ) and an award of fees and costs as permitted by statute. This demand letter preserves those claims.

11. * * Summary of requested corrective action ( for clarity ) : * * Reverse and correct all late-payment notations that can not be validated to * * PAID AS AGREED / NEVER LATE ( PA / PAANL ) * *.

Delete any ND, 30/60/90+ day delinquencies that are not fully supported by primary evidence. 
Provide me and all nationwide CRAs with corrected reports and written confirmation of completion. 

Enclosures ( attached ) : XXXX XXXX XXXXXXXX XXXXXXXX XXXX INACURATE XXXX XXXX XXXX showing the inconsistent reporting pattern and the specific reporting periods in dispute This is a formal FCRA dispute and final demand for reinvestigation and correction. If Experian needs additional information to process this dispute, notify me within five ( 5 ) business days ; otherwise proceed with the reinvestigation and provide the requested documents and corrective actions. I expect Experian to comply with federal law and to conduct a reasonable investigation that meets the standards set forth in the FCRA and applicable guidance.

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