Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13454828
Complaint Overview
Complaint ID: 13454828
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: Michigan
ZIP Code: 48044
Date Received: 2025-05-11T12:00:00-05:00
Date Sent to Company: 2025-05-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
A late payment was incorrectly reported on my credit file by XXXX XXXX for [ Month/Year ]. This reporting violates the Truth in Lending Act ( 15 U.S.C. 1666b ), which requires that billing statements provide a minimum 21-day grace period before a payment can be marked late. I believe this statutory requirement was not honored. I disputed the late payment with the credit bureaus ( Equifax, Experian, and TransUnion ) and requested full documentation verifying the validity of the late mark, including billing statements, internal investigation records, and proof of compliance with federal law. To date, I have not received proper verification. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681i ), credit reporting agencies and data furnishers must report only accurate, verifiable information. Since the required documentation was not provided and the item can not be legally verified, I am demanding deletion of this derogatory entry from all consumer credit reports.
Frequently Asked Questions
What is Complaint #13454828 about?
Complaint #13454828 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 2025-05-11T12:00:00-05:00.
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.