Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: CA
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:
It has come to my attention that XXXX XXXX, XXXX. formerly known as XXXX XXXX XXXX XXXX reported some incorrect payment information on my credit on two of my credit cards accounts : When I reviewed my credit report, I found late payment on the following dates : XXXX XXXX Account # XXXX has one 60 days past due as of XX/XX/XXXX. 
XXXX XXXX Account # XXXX has one 60 days past due as of XX/XX/XXXX and one 30 days past due as of XX/XX/XXXX The issues with these alleged late payments is that the payments were never late please see attached payment history and on time payment in the months in question. 
In addition, unless I do not understand the reported information ; how can XXXX XXXX  claim that I was 60 days late in XX/XX/XXXX while XXXX XXXX reported on time payment in XX/XX/XXXX? For there to be a 60 day late in XX/XX/XXXX, the payment must have been missed since XX/XX/XXXX as well right? 
The following inconsistencies are part of the reasons why I disagree with the incorrect information reported by XXXX XXXX : 1. On my XXXX credit report dated XX/XX/XXXX, XXXX XXXX   reported that account # XXXX was not late in XX/XX/XXXX but was 60 days late in XX/XX/XXXX ( see attached XXXX report ). 
2. On my Experian credit report dated XX/XX/XXXX, XXXX XXXX reported this same account as being 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, but XXXX XXXX reported on time payments ( see AAP= Actual Amount Paid ) for {$120.00} for XX/XX/XXXX and on time payments ( see AAP= Actual Amount Paid ) for {$100.00} for XX/XX/XXXX. I am puzzled why XXXX XXXX would report on time payment received and turn around and report the same monthly payment as 30 and 60 days late? 
3. On my XX/XX/XXXX Experian report, XXXX XXXX  reported a 30 day late for XX/XX/XXXX and 60 days late for XX/XX/XXXX while XXXX XXXX reported on time payments of {$120.00} for XX/XX/XXXX and XXXX for XX/XX/XXXX. 
The 30 and 60-day late reporting made by XXXX XXXX is incorrect and constitute very serious violation of the Fair Credit Reporting Act and my rights. It has damaged my credit and is preventing me from getting a home loan and credit. XXXX XXXX has received payment in all the months it reported me late, furthermore, XXXX XXXX reported these on time payments to the credit bureaus ( see attached Experian report under payment history ; Actual Amount Paid ( AAP ) and Date Payment Received ( DPR ). 
What the attached proof of payment shows is that XXXX XXXX  accounts were always paid on time and were never late. I have tried multiple times to have this incorrect reporting corrected by contacting XXXX XXXX directly and spoke to XXXX one of their customer service representatives, upon hearing my inquiry, XXXX did a system search and informed me that there was no late found in their system on my account and advised me to file a dispute to have the wrong information corrected. I have filed numerous disputes with the credit bureaus and informed them of the issue and the bureaus told me that XXXX XXXX said the disputed information is reporting correctly. 
This is so frustrating, and, on many instances, I have requested that XXXX XXXX provides me with any documentation proof of the wrong reporting instead of the XXXX system verification which consists of just looking at the wrong information and confirming the erroneous and inaccurate reporting which is a violation of the Fair Credit Reporting Act. 
I have also requested the method of validation with supporting documentation on these alleged late pays and never received anything from credit bureaus and XXXX XXXX. I have also requested that they provide paperwork or system record accounting for and showing how they applied my payments, I have also requested via the credit bureaus that XXXX XXXX provides documentation showing that no mistake was made and provides me with documentation for the late payments. I have NOT received anything but XXXX XXXX refuses and continues to report incorrect information on my credit report.

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