Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX Subject : Request for Removal of 30-Day Late Payment Mark from Credit Report Due to Inaccuracies Dear Sir/Madam, I am writing to dispute the accuracy of the 30-day late payment mark that appears on my credit report provided by Experian. After carefully reviewing my payment history, I believe this late payment mark is inaccurate and unfairly impacting my credit score. I kindly request that you investigate this matter and remove the late payment mark from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX XXXX Inconsistencies and Violated FCRA Sections : XXXX. **Inconsistent Reporting - FCRA Section 623 ( a ) ( 1 ) ( A ) : ** Experian reports a " No. of Months ( terms ) '' as " 18, '' while Equifax shows it as " XXXX. '' This inconsistency in reporting violates FCRA Section 623 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to provide accurate and complete information to consumers. 

2. **Reporting Credit Limit for Installment Account - FCRA Section 605 ( a ) ( 6 ) : ** Experian, XXXX XXXX and XXXX report a " Credit Limit '' of " {$0.00} '' for an installment account. However, installment accounts do not have credit limits, and reporting such information is inaccurate under FCRA Section 605 ( a ) ( 6 ).

3. **Inconsistent Past Due and Payment Status - FCRA Section 607 ( b ) : ** The " Past Due '' amount and " Payment Status '' for the XXXX XXXX account are reported differently across all three credit bureaus. Experian reports a " Late 30 Days '' status, whereas XXXX and XXXX do not specify any late payment status. This inconsistency in reporting the payment status violates FCRA Section 607 ( b ), which mandates accurate information maintenance and consistent reporting across credit

reporting agencies. 4. **Inaccurate Late Payment Mark - FCRA Section 623 ( a ) ( 2 ) : ** The presence of a 30-day late payment mark on my credit report is inaccurate and is negatively affecting my credit score. FCRA Section 623 ( a ) ( 2 ) requires credit reporti
ng agencies to promptly correct and update any inaccurate information in a consumer 's credit report.

I request that you conduct a thorough investigation into these discrepancies and remove the 30-day late payment mark from my credit report as soon as possible. Once the correction has been made, I request that you provide me with written confirmation of the update, as required by the FCRA. 

Enclosed with this letter are copies of supporting documentation that substantiate my claims regarding the inaccuracies in the late payment mark. I urge you to address this matter urgently to restore the accuracy of my credit report. 

Thank you for your attention to this request. I look forward to a swift resolution and the removal of the 30-day late payment mark from my credit report. 

Sincerely,.

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