Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian Information Services XXXX. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute & Demand for Deletion of Late Payments Failure to Ensure Accuracy under 15 U.S.C. 1681i, 1681e ( b ), and 1666b Accounts in Dispute : XXXX XXXX Account Ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending in XXXXXXXX XXXX XXXX XXXX XXXX  Accounts to Be Reinvestigated and Late Payments Corrected And Deleted : XXXX XXXX Account Ending in XXXXXXXXXXXX XXXX XXXX XXXX XXXX Remove Late Payment XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX Account Ending in XXXXXXXX XXXX XXXX  -- Remove Late Payment XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX in XXXXXXXX XXXX XXXX XXXX  Remove Late Payment XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending in XXXXXXXX XXXX XXXX XXXX- Remove Late Payment XX/XX/XXXX & XX/XX/XXXX These accounts contain late payments and/or negative reporting that are inaccurate, unverified, or can not be confirmed to be the result of my actions. Due to the data breach and failure to protect my personal information, I am requesting the immediate removal of all negative and derogatory information associated with these accounts. Under Consumer 's Rights Granted by Federal Law ( FCRA 15 U.S.C. 1681i & 1681s-2 ( a ) ), I Am Requesting : A full reinvestigation of each account listed above Deletion of all late payments, derogatory remarks, or inaccurate data if verifiable proof is not produced within 30 days A detailed Method of Verification if XXXX chooses to continue reporting these items ( FCRA 611 ( a ) ( 7 ) ) Notification of all credit furnishers and other bureaus ( XXXX, Experian ) of any corrections/deletions made Placement of a fraud alert/security freeze on my report ( if applicable remove if not needed ) Failure to Comply If these inaccuracies continue to appear after the completion of your investigation, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) , Federal Trade Commission ( FTC ) , and the State Attorney General for failure to comply with the Fair Credit Reporting Act. 

Experian is in violation of multiple federal laws by continuing to report inaccurate and misleading late payments. 

1. Violation of 15 U.S.C. 1681e ( b ) Maximum Accuracy Requirement You are required to ensure that maximum possible accuracy is maintained in all consumer reports. Reporting late payments that are inaccurate, unverified, or caused by system failure/data breach does not meet this standard.

2. Violation of 15 U.S.C. 1681i ( a ) Failure to Reinvestigate Under 1681i, Experian must conduct a reasonable reinvestigation within 30 days and DELETE any information that can not be verified with credible documentation.

If the creditor can not provide signed payment records, billing history, and timestamped proof that the payment was actually late, the reporting must be removed.

3. Violation of 15 U.S.C. 1666b ( FCBA ) Improper Late Reporting Federal law requires that payments be credited as of the date received. If I submitted payment on time or the payment was processed late by the creditor or due to internal delays, any late fee or negative report is improper, unlawful, and must be deleted.

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