Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Demand for Immediate Correction of Inaccurate Late Payment Notations under FCRA and 15 U.S.C. 1681 Dear Credit Reporting Agencies, This letter serves as a formal demand for the removal or correction of late payment notations inaccurately reported on my credit file. Upon thorough review of my credit report, I identified late payment entries that appear to be erroneous and improperly reported. These entries, associated with XXXX XXXX XXXXXXXX, violate the provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C . 1681s-2 ( b ) and 15 U.S.C. 1681e ( b ), which require credit reporting agencies and information furnishers to ensure the utmost accuracy in consumer credit reporting.

Legal Grounds for This Demand 1. Violations of Accuracy Obligations 15 U.S.C. 1681e ( b ) : The FCRA mandates that consumer reporting agencies implement reasonable procedures to ensure the highest possible accuracy of the information in a consumers credit file. The inaccurate late payment notations fail to meet these standards. 
XXXX. Reinvestigation and Verification Obligations 15 U.S.C. 1681i : Under this provision, you are required to conduct a reasonable reinvestigation of disputed information upon receiving notice from the consumer. If you can not verify the accuracy of the reported late payments, you must delete them from my credit file.

3. Furnisher Obligations 15 U.S.C. 1681s-2 ( b ) : Creditors and information furnishers must investigate and correct or delete any inaccurate, incomplete, or unverifiable information. You are obligated to confirm with the furnisher whether the late payment notations are accurate. If they fail to verify the accuracy, the entries must be removed from my credit report. 
XXXX. Failure to Meet Notification Requirements 15 U.S.C. 1681m : If these late payments resulted from adverse actions by a creditor, I should have been notified promptly. Failure to provide such notification constitutes a violation of the FCRA, and these entries must be corrected. 
Specific Actions Requested I hereby demand the following immediate actions : XXXX. Reinvestigation of Late Payments : Conduct a thorough reinvestigation of the late payment entries associated with XXXX XXXX XXXXXXXX. ( Please note that I will be submitting XXXX creditor per letter for clarity. ) XXXX. Verification or Deletion : If you can not verify the information as 100 % accurate, you must remove the entries from my credit report, in accordance with federal law.

3. Correction to " Paid as Agreed '' : If verification reveals any discrepancies or incomplete information, please update the status of these late payments to Paid as Agreed, in alignment with FCRA provisions.

Timeframe and Legal Accountability Under 15 U.S.C. 1681i ( a ) ( XXXX ), you have 30 days from the date of receipt of this letter to complete your reinvestigation and provide a written response. Failure to comply will lead to further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursuing civil remedies as outlined in 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Please treat this matter with the urgency it deserves and confirm receipt of this letter. I expect a written confirmation of the resolution within the legally mandated XXXX timeframe. 
Sincerely, XXXX XXXX XXXX Enclosures : Credit Report Excert CC : Consumer Financial Protection Bureau ( CFPB )

Company response to consumer: Closed with explanation