Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Complaint:
Dispute of False and Misleading Credit Reporting Information Dear XXXX XXXX I am writing to dispute information on my credit report placed by XXXX XXXX  that is false and misleading, in violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to this law, furnishers of information to consumer reporting agencies ( CRAs ) have a duty to provide accurate and complete information to the CRAs. If any information reported to a CRA is found to be inaccurate or incomplete, the furnisher of the information has a duty to correct or delete it. 

After reviewing my credit report, I have reason to believe that XXXX XXXX deliberately reported a false late payment to my credit report as a form of retaliation. Specifically, I want dispute the following items : On XX/XX/XXXX XXXX XXXX reported that my account was late 30 days past due. This account was opened on XX/XX/XXXX and have attached screenshots of the posted payments that would render the account current on XX/XX/XXXX. The statement period that they reported my account 30 days past due by {$39.00} was XX/XX/XXXX - XX/XX/XXXX. I made a {$19.00} payment on XX/XX/XXXX and a {$20.00} payment on XX/XX/XXXX totaling {$39.00}. In addition to those payments I also made a payment for {$91.00} to bring my account balance to {$0.00} on XX/XX/XXXX prior to my XX/XX/XXXX statement close date. On the XXXX of XX/XX/XXXX XXXX XXXX reported my account 30 days past due to all three credit bureaus. My XXXX score dropped XXXX points instantly, XXXX score dropped XXXX points and my Experian score dropped XXXX points. 

As I waited for my XXXX statement that took over a week to post in the mobile application, my account status on the app and on my statement changed from 30 days past due to 60-89 days past due. I believe is one of the forms of retaliation that resulted from a complaint that I made about the false late payment reporting. As I write this my account has a XXXX balance but XXXX XXXX has disabled my application/account preventing me from capturing more screenshots as evidence. The disabling of my account has also prevented me from accessing available revolving credit that I am entitled to due to my payments I am requesting that these 30 days past due reporting 's be investigated and removed from my credit report as soon as possible. Additionally, I request that you notify all of the credit reporting agencies that have received this false and misleading information that it has been disputed and corrected, as required by law. 

Enclosed are copies and screenshots of documents that support my dispute. Please investigate this matter and respond to me in writing as soon as possible. If you need any further information, please contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

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