Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
XX/XX/XXXX Re : Complaint for Inaccurate Late Payment Reporting on XXXX XXXX Account Dear CFPB, I am writing to formally file a complaint against XXXX, Experian and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX account ( Account # XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), the inaccurate reporting remains unchanged, constituting violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information and Discrepancies : Account Details : Account Number : XXXX High Balance : {$52000.00} Balance Owed : {$22000.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX XXXX Payment Amount : {$760.00} Term Length : XXXX Months Account Type : Auto Loan Dispute Status : Account not disputed ( XXXX, Experian, XXXX XXXX Payment History Discrepancies : XXXX XXXX Reports XXXX late payments in XX/XX/XXXX and XX/XX/XXXX. 
XXXX and Experian : Report XXXX late payments in XX/XX/XXXX and XX/XX/XXXX. 
These discrepancies are unsupported and contradict the account 's current status as reported : Payment Status : Current ( XXXX, Experian, XXXX ) Account Status : Open ( XXXX, Experian, XXXX ) Last Payment : XX/XX/XXXX ( XXXX, Experian ) Legal Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Credit reporting agencies must ensure the accuracy and completeness of information included in consumer reports. The failure to correct these inaccuracies violates this statute.

15 U.S.C. 1681b : Reporting agencies are obligated to handle consumer information with strict accuracy and can not report inaccurate data to third parties.

Truth in Lending Act ( TILA ) : 15 U.S.C. 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The late payment reporting reflects a potential failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors are responsible for providing timely statements to consumers, ensuring they are not unfairly penalized. 
Previous Dispute Attempts : I previously disputed this inaccurate information through letters submitted to XXXX, Experian and XXXX on XX/XX/XXXX and XX/XX/XXXX. However, no action has been taken to resolve the issue or correct the inaccurate reporting. 
Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the corrections made to my credit report.

Assurance that all reporting agencies have received the corrected information.

Failure to address this matter promptly will result in further action, including additional complaints to relevant agencies and potential legal action. 
Please find attached supporting documentation, including a copy of my credit report highlighting the discrepancies, copies of my previous dispute letters, and any relevant account statements. 
I trust that you will take immediate steps to rectify this matter and ensure compliance with federal regulations. 
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