Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15594264
Complaint Overview
Complaint ID: 15594264
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: South Carolina
ZIP Code: 29209
Date Received: 2025-08-28T12:00:00-05:00
Date Sent to Company: 2025-08-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Date : XX/XX/year> To : Experian, XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Late Payment - Failure to Notify - FCRA Violations RE : XXXX Account # XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent reporting regarding the above-referenced account on my credit file, as shown in your report. Inaccuracies Identified : Late Payments Reported Without Notice : XXXX was never notified by email, phone, or postal mail that this account was late. -I had paperless billing enabled, and no notice of late payment was received. Per 15 U.S. Code 1681m, creditors must notify consumers of negative information being reported within a reasonable timeframe ( typically 30 days ). Inconsistencies Between Bureaus : XXXX and Experian show a 30-day late payment, yet my two-year payment history is marked entirely " OK ''. -XXXX does not show a late payment in the 2-year history or on the 7-year history chart, yet all bureaus show the same account as Open and Current. Violation of Accurate Reporting - FCRA 1681i & 1681s-2 ( a ) ( 1 ) ( A ) : Data furnishers are required to report only complete and accurate information. Reporting a late payment without confirming the consumer was notified is a material inaccuracy. * Requested Action : Pursuant to FCRA 611 ( 15 U.S. Code 1681i ), I am requesting that you : -Immediately investigate the accuracy of the late payment entries. -Remove any inaccurate or unverifiable late payment from my file. -Provide me with written confirmation of your findings and actions taken within 30 days as required by law. Attached are screenshots showing the conflicting payment history and account status across your bureau and others, further confirming the inconsistency. This account is in good standing, and any reported delinquency is unfounded without proper notice. If the furnisher of information can not provide verifiable proof that I was properly notified prior to reporting the late payment, it must be deleted immediately. Thank you for your prompt attention to this matter. Please confirm receipt of this letter in writing. Sincerely, This account was not properly investigated and I did not receive any verifiable proof that I was properly notified prior to reporting the late payment.
Frequently Asked Questions
What is Complaint #15594264 about?
Complaint #15594264 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 2025-08-28T12:00:00-05:00.
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.