Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX PXXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate XXXX Payment Reporting Dear CFPB Representative, I am writing to formally dispute an inaccurate XXXX payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ). This inaccurate reporting has negatively affected my credit profile, and I am requesting an immediate investigation into this matter. Details of the Disputed XXXX  Payment : Creditor Name : XXXX XXXX Account Number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Alleged XXXX  Payment : XX/XX/XXXX and XX/XX/XXXX ( equifax ) and XX/XX/XXXX and XX/XX/XXXX ( experian XXXX XXXX ) I firmly believe this XXXX payment is incorrect. Additionally, I am providing the following supporting evidence : Legal Basis for Dispute : XXXX. Fair Credit Reporting Act ( FCRA ) - XXXX XXXX Code XXXX I am exercising my right under this section to dispute inaccurate information reported on my credit file. The reported XXXX payment does not accurately reflect my payment history, and I am requesting a formal investigation and correction. XXXX. Truth in Lending Act ( XXXX ) - XXXX XXXX XXXX XXXX ( b ) Creditors must provide clear and accurate billing statements to consumers. If this XXXX payment reporting does not align with the terms of my agreement, it constitutes an error that should be rectified immediately. XXXX. Obligations of XXXX XXXX - XXXX XXXX XXXX XXXX Creditors and furnishers must ensure that the information reported to credit bureaus is accurate. If the creditor can not substantiate the XXXX payment with verifiable documentation, they must remove it from my credit file. Requested Action : XXXX a thorough investigation into this dispute and provide a written response within XXXX days as required by law. If the XXXX payment can not be verified, instruct the creditor to update my account status to " XXXX XXXX XXXX XXXX XXXX. '' Notify the credit reporting agencies ( XXXX XXXX XXXX TransUnion ) to reflect the corrected information on my credit report. Reference to XXXX ( PaXXXX XXXX XXXX XXXX XXXX ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of " XXXX XXXX XXXX XXXX XXXX XXXX based on the timely payments made. It is imperative that my credit report accurately represents my financial responsibility and commitment to meeting payment obligations. 
I hereby request that you provide documented proof supporting the claim of XXXX payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly. 
If, after a thorough investigation, you are unable to provide verifiable proof of XXXX payments, I demand that the account be promptly updated to reflect its accurate status as " XXXX XXXX XXXX XXXX XXXX XXXX' Per the FCRA, I request that you conduct a timely investigation and provide a written response within XXXX days from the receipt of this dispute letter. 
Failure to adhere to this timeline will be considered a violation of the FCRA. Appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
Failure to properly investigate and correct this inaccurate information will result in further actions, including a potential escalation to legal authorities for non-compliance with federal consumer protection laws. 
I have enclosed copies of all supporting documents related to this dispute. Please acknowledge receipt of this complaint and provide a written update on the investigation 's progress within the legally mandated timeframe. 
Thank you for your time and immediate attention to this matter. I look forward to your prompt response. Sincerely, XXXX 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