Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12025650
Complaint Overview
Complaint ID: 12025650
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: North Dakota
ZIP Code: 58201
Date Received: 2025-02-10T12:00:00-05:00
Date Sent to Company: 2025-02-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Round 1 to Credit Reporting Agencies Subject : Request for Removal of Inaccurate Late Payment Reporting FCRA Violations Dear Equifax, TransUnion, Experian, I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX to your agency, [ Experian/TransUnion/Equifax ] , and I believe that this entry is inaccurate. The payment in question is identified as late, but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX, regarding this account should not be included in my consumer credit report. Furthermore, 15 U.S. Code 1666b prohibits a creditor from treating a payment as late unless they can show that the periodic statement was mailed or delivered to the consumer at least 21 days before the payment due date. This is an essential element for justifying any late payment reporting. Requested Documentation : In order for XXXX XXXX XXXX to justify reporting this payment as late, they must provide proof of compliance with the following : 1. Proof of Compliance with 15 U.S. Code 1637 ( b ) : I request documentation showing that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date. 2. Detailed Documentation : Under 15 U.S. Code 1637 ( b ), specific information must be included in the periodic statement. Please provide documentation that proves the statement was issued in compliance with these requirements and was delivered within the legal timeframe. Notice of Requirements : In accordance with Rule 1002, you are required to provide me with the requested documentation within 10 calendar days of receiving this notice. Please be advised that merely asserting the information is accurate is not sufficient. Without clear proof of compliance with the relevant provisions of the FCRA ( specifically 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. Request for Action : If XXXX XXXX XXXX can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice. Late Payment ( s ) in Question : XXXXXXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. I look forward to your response and confirmation that the disputed late payment entry has been removed. Sincerely,
Frequently Asked Questions
What is Complaint #12025650 about?
Complaint #12025650 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-02-10T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.