Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
To : CFPB Complaint Portal Company : XXXX XXXX ( XXXX XXXX XXXX ) Reference ID : [ Insert CFPB Case Number : XXXX ] From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Complaint Type : Credit Reporting False & Unverified Late Payment Reporting Summary of Ongoing Violations : I am filing this follow-up dispute because XXXX XXXX response failed to meet legal verification requirements under FCRA 623 ( b ), 1681i, and established federal case law. 

XXXX XXXX admits they only provided a transaction log showing that my XX/XX/XXXX payment posted late. However : 1. They did NOT provide : The signed loan agreement defining payment due dates, grace periods, and what constitutes delinquency.

A complete accountant-level ledger with the First Date of Delinquency ( FDDO ) clearly identified. 
The ACDV file and response sent to the credit bureaus during the dispute process. 
The names of investigators, investigation methodology, and internal investigation logs as required under FCRA 1681s-2 ( b ).

2. Billing/transaction history alone is NOT legal proof of a valid late payment : XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Courts ruled that billing statements or transaction summaries alone are not competent evidence of a valid debt or delinquency. 
Cushman v. TransUnion ( 1997 ) Furnishers must conduct a reasonable investigation and verify disputed data with supporting documentation, not rely on automated responses or internal assumptions.

3. This is willful noncompliance under FCRA 1681n, as XXXX XXXX continues to report this late payment without producing legally required evidence. 
The response provided to CFPB is procedurally deficient and constitutes negligent or willful furnishing of inaccurate information. 

Requested Regulatory Action : I am requesting that the CFPB : 1. Re-open this complaint and compel XXXX XXXX to produce : A signed copy of the governing loan agreement/note defining due dates and delinquency rules. 
A complete, itemized ledger of payments for XX/XX/XXXX XX/XX/XXXX with timestamps, XXXX, and posting dates. 
The full ACDV file and internal investigation notes, showing who verified this late payment and what documents were reviewed. 
Proof that a reasonable reinvestigation occurred under FCRA 1681s-2 ( b ).

2. If XXXX XXXX can not produce all of the above within 15 calendar days, they should be compelled to : Delete the late payment reporting from all consumer reporting agencies ( Experian, XXXX, XXXX, XXXX ). 
Update the account to Paid/Closed/Current with {$0.00} balance.

3. Consider referring XXXX XXXX for supervisory enforcement action, as this conduct demonstrates a pattern of unlawful verification practices that harm consumers. 

Additional CRA Notification Request : I request that the CFPB forward this follow-up dispute and all associated documents to : Experian XXXX  XXXX  All three credit reporting agencies are continuing to publish this false late payment without independent verification or access to the governing documentation, violating their duties under FCRA 1681i and 1681e ( b ).

This dispute should be forwarded to all CRAs so they are on notice of the failure to validate and can take immediate corrective action by : Suppressing or deleting the tradeline Updating the account to Paid/Closed/Current Flagging the furnisher ( XXXX XXXX ) for lack of documentary evidence Conclusion : XXXX XXXX own response confirms they did not conduct a proper reinvestigation and verified negative data without competent evidence. This is exactly the type of systemic noncompliance the CFPB was created to stop. I request CFPB re-open this complaint, compel full document production, or order deletion of the disputed data.

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