Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute and address a significant discrepancy in the credit reporting about my account, specifically XXXX in the first screenshot. This matter has arisen about a reported 60-day late payment on the aforementioned account, a claim that I maintain is not reflective of the accurate and timely payment history associated with this account. 

I have diligently followed the established protocol for addressing such discrepancies by submitting all requisite documentation, which unequivocally demonstrates the timely nature of my payments. It is crucial to emphasize that the reported late payment was a result of internal processing challenges encountered by XXXX, the creditor associated with the account, rather than any failure on my part to fulfill my financial obligations. 

Upon a thorough review of my dispute, Experian has responded with a resolution that, regrettably, falls short of rectifying the issue at hand. Instead of acknowledging the accuracy of my payment history, Experian has unilaterally opted to modify the reported late payment to 30 days, thereby failing to fully address the veracity of the situation. 

This resolution is demonstrably inaccurate, as XXXX successfully rectified its internal processing issues on XX/XX/XXXX, which is subsequent to the erroneous 60-day late payment flag raised on XX/XX/XXXX. Consequently, the arbitrary adjustment to a 30-day late payment resolution lacks merit and fails to accurately represent the timeline of events. 

In light of the foregoing, I formally request that Experian conducts a comprehensive and impartial review of the evidence provided, rectifying the reporting on my credit account to accurately reflect the fact that I was not late in making payments. Furthermore, I request the removal of any derogatory information associated with the purported 30-day late payment resolution. 

I have sought counter evidence from Experian and its affiliated entities to substantiate the resolution they have chosen, but regrettably, such evidence has not been forthcoming. As a consumer, I place great reliance on the integrity of credit reporting agencies in accurately representing consumer information, and I expect that due diligence will be exercised in reviewing and resolving disputes of this nature. 

Enclosed with this correspondence are comprehensive screenshots and documentation from XX/XX/2023, providing irrefutable evidence of my adherence to the agreed-upon payment schedule. These records must be meticulously examined, and if no contrary evidence can be produced, I insist that the payments be updated to " paid as agreed '' and reflected by the accurate and timely payment history that characterizes my financial profile. 

I anticipate your prompt attention to this matter and the expeditious resolution of this dispute by the applicable laws and regulations governing credit reporting. Failure to do so will necessitate further legal action to protect my rights as a consumer. 

Thank you for your attention to this serious matter.

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