Consumer complaint received 2024-11-15 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/year> Subject : Inaccurate Late Payment Reporting I am filing a formal complaint regarding the failure to correct inaccurate information concerning late payments reported on my credit report for account # XXXX with XXXX. Despite multiple correction requests ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, I am protected under the CARES Act due to the COVID-19 pandemic, which impact

ed my payment ability during the period in question. Nature of the Complaint : FCRA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments on my account suggests a failure to comply with this requirement. Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures to consumers. The inaccurate reporting of late payments has negatively impacted my creditworthiness and caused unnecessary harm.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the obligation of creditors to provide timely statements, preventing unfair penalties against consumers.

CARES Act Provisions and COVID-19 Impact : Due to the COVID-19 pandemic, I experienced financial difficulties which impacted my ability to make timely payments. Under the CARES Act, I am eligible for accommodations, and creditors are required to report accounts with accommodations as " current '' if payments were deferred, reduced, or otherwise accommodated during the pandemic period.

Summary of Errors on Account 30-Day Late Payments : Listed as late for XXXX, XXXX and XXXX despite the account being under a CARES Act accommodation. 
60-Day Late Payment : Listed for XXXX, which inaccurately reflects my status under COVID-19 accommodations. 
Account Description and Remarks : Indicate that the account was disputed and resolved by the grantor, yet Experian and XXXX still reflect inaccuracies despite these prior disputes. 
Account Status : Listed as " Open, '' but the CARES Act accommodation should require it to reflect a " Current '' status. 
Requested Resolution : I am requesting that Experian immediately remove the late payment notations from my credit report in compliance with the CARES Act, accurately reflecting my on-time payment history and any COVID-19 accommodations. Additionally, I request written confirmation of this correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for your prompt attention to this matter. 
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