Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
Date : XX/XX/XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request for Permanent Deletion of Inaccurate Late Payment Account Name : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} Disputed Late Payment Month : XX/XX/XXXX Dear Dispute Department Representatives, I am writing to formally dispute the reporting of a late payment for XX/XX/XXXX on my XXXX XXXX XXXX account ( balance : {$2000.00} ), as reflected on my credit reports with Experian, Equifax, and TransUnion. This entry is either inaccurately reported, unverifiable, or not properly documented under federal law and industry reporting standards. I respectfully request that it be permanently deleted from all three of my credit reports. 

Applicable Legal and Reporting Standards : Metro 2 Format Compliance The XXXX XXXX XXXX XXXX ( XXXX ) requires all data furnishers to use Metro 2 coding for accurate payment reporting. If the late payment entry is not backed by timestamped and verifiable recordsespecially under Field XXXX ( Payment History Profile ) and Compliance Condition Code XXXX  for disputed accountsit violates Metro 2 standards and must be removed. 
15 U.S.C. 1681e ( b ) Maximum Possible Accuracy This FCRA provision mandates that consumer reporting agencies ensure the maximum possible accuracy of any item in a consumer report. Reporting a potentially unverified or incorrect late payment is a breach of this obligation.

15 U.S.C. 1681i Reinvestigation of Disputed Information You are legally required to conduct a timely reinvestigation of disputed information and delete any data that is inaccurate or unverifiable within 30 days of receiving the dispute.

Regulation F 12 CFR Part 1006 This regulation under the FDCPA establishes standards for consumer communications and data validation. Failure to provide documented validation of late payments violates these provisions. 

Requested Action : 1. Immediately delete the XX/XX/XXXX late payment for XXXX XXXX XXXX from my credit reports with Experian, Equifax, and TransUnion. 

2. Provide full documentation ( including timestamped payment records ) that supports the accuracy of the reported late payment.

3. Prevent future reinsertion of this late payment unless fully verified, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

4. Confirm in writing the results of your reinvestigation and the final resolution.

If not resolved within the required legal timeframe, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue all legal remedies available under 15 U.S.C. 1681n & 1681o. 

Thank you for your immediate attention to this matter. 

Sincerely, 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