Consumer complaint received 2025-02-01 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:
I have made repeated attempts with XXXX XXXX to correct false information that recently was reported to two agencies ( XXXX and Experian ). Here is the correspondence I sent to them via their website : Subject : Formal Dispute of Late Payments Reported by XXXX XXXX To Whom It May Concern, I am formally disputing the late payment ( s ) reported by XXXX XXXX on my credit report. I have reviewed my records and believe these late payments were reported inaccurately or in violation of federal consumer protection laws. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) and additional consumer protections, I demand a proper investigation into how these late payments were verified. 

Violations of Federal Law Failure to Provide Proper Billing Statements 15 U.S. Code 1637 ( b ) Under this law, XXXX XXXX is required to send periodic billing statements for each cycle. If they can not provide documented proof that they sent me a statement for the months in question, they can not legally report a late payment to the credit bureaus. 
I request that you obtain certified proof from XXXX XXXX confirming that a billing statement was properly sent to me before reporting any late payment. 
Incorrect Application of Payment Timing 15 U.S. Code 1666B This law mandates that payments must be credited as of the date received and not reported as late if made according to the creditors specified terms.

I demand proof that my payment was actually received and processed late, rather than a reporting or processing error by XXXX XXXX. If they can not provide such proof, this late payment must be removed. 
Request for Verification As required under the Fair Credit Reporting Act ( FCRA ), I request that the credit bureau provides : A complete breakdown of how XXXX XXXX verified this late payment, including a detailed account of their investigation. 
Copies of the original documents used to verify this late payment, including the billing statement they claim was sent to me. 
Proof of timely payment processing, showing when my payment was received and how it was applied. 
If XXXX XXXX can not supply these legally required documents, then this late payment must be immediately removed from my credit file as it can not be properly verified. 

Legal Consequences of Non-Compliance If the credit bureau and XXXX XXXX fail to provide adequate proof, they will be in violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Failure to correct these errors may result in further action, including legal recourse to enforce my consumer rights. 

Please resolve this dispute within the legally mandated 30-day timeframe and send me written confirmation of your findings. If this late payment is not removed or properly verified, I will escalate the matter further. 

Thank you for your immediate attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX reports late payments for XXXX XXXXXXXX and XXXX Experian reports late payments for XXXX  XXXX, XXXX, XXXX, and XXXX. 
XXXX shows 100 % timely payments. 

This also violates other consumer laws under accuracy.

15 U.S. Code 1681 e ( b ) 15 U.S. Code 1681 i ( 5 ) ( a )

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