Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, Tx. XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Date : XX/XX/XXXX Subject : Formal Dispute Request for Permanent Deletion of Inaccurate Late Payments Ally Financial Account ( {$38000.00} ) Dear Equifax, TransUnion and Experian Dispute Department 's, I am writing to formally dispute and request the permanent deletion of late payment notations being reported on my Equifax, TransUnion and Experian credit file 's for the following account : Creditor Name : XXXX XXXX XXXX Balance : {$38000.00} The following late payment entries are being reported inaccurately and must be permanently removed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I dispute the accuracy, completeness, and legal permissibility of these reported delinquencies. Under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I demand that you perform a lawful reinvestigation and immediately delete these late payment entries from my credit report based on the following legal grounds : 15 U.S.C. 1681s-2 ( FCRA Section 623 ) : Furnishers of information have a duty to report accurate data. XXXX XXXX 's reporting of repeated late payments across inconsistent months raises red flags of negligence or willful noncompliance with accurate credit reporting standards. 
15 U.S.C. 1681e ( b ) : Equifax, TransUnion, and Experian have a duty to maintain the maximum possible accuracy of consumer credit data. These late entries, without proper validation and context, are misleading and materially harmful to my credit profile. 
15 U.S.C. 1666b ( Fair Credit Billing Act ) : Any finance charges or late fees tied to these entries must be preceded by clear billing disclosures and opportunities to dispute, which were not provided in this case. 
12 CFR 1022.43 : Under federal guidelines, the CRA must block and correct any information found to be inaccurate as part of a reinvestigation process.

FCRA 1681i ( a ) : You are required to reinvestigate disputed information and delete unverifiable or inaccurate items within 30 days. 
If Equifax can not independently verify and validate these late payments with a full payment history and proof that each entry complies with all consumer protection standards, then you are legally obligated to permanently delete each inaccurate notation. 
I am requesting that you immediately : Conduct a reinvestigation into each disputed late payment ; Provide a detailed report showing the results of the reinvestigation ; Permanently delete each disputed late payment from my Equifax credit file ; Notify me in writing once these changes have been made. 
Please note that continued reporting of inaccurate information after formal dispute notice constitutes willful noncompliance, subject to legal consequences under 15 U.S.C. 1681n and 1681o. If not corrected, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), FTC, and pursue all available legal remedies. 
I appreciate your timely attention to this matter and expect written confirmation of resolution within 30 days in accordance with FCRA procedures. 
Sincerely, 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