Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally file a complaint and request the removal of all late payment notations reported to the credit bureaus by my creditors during my period of documented medical hardship. This request is based on my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

In XXXX, I contracted XXXX, which significantly deteriorated my health. Following my illness, I began experiencing severe panic attacks and anxiety episodes, later diagnosed as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ). Due to these mental health challenges, I was released from my employment in XXXX, which forced me into severe financial hardship. As a result, I had no choice but to apply for Social Security Disability benefits, which are still pending. 

Because of this unexpected loss of income, I struggled to pay my financial obligations on time. Despite my efforts to borrow from family and friends to maintain payments, I was unable to keep all accounts current. I believe these late payment notations do not accurately reflect my willingness or ability to repay under normal conditions, but rather resulted from verified medical hardship beyond my control. 

Below is a list of the credit cards affected by late payments during this period : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the FCRA , 15 U.S.C . 1681i ( a ), I am exercising my right to dispute any information that is inaccurate, incomplete, or unverifiable. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Given my documented medical hardship and involuntary loss of employment due to disability-related illness, I believe the continued reporting of these late payments is unfairly punitive and does not represent my current creditworthiness.

Attached are documents supporting my medical diagnoses, employment termination, and Social Security Disability application status as evidence for this complaint.

I respectfully request the CFPBs assistance in having these late payment notations removed from my credit reports with all consumer reporting agencies. Such removal will allow me a fair opportunity to regain financial stability as I continue medical treatment and await my disability determination. 

Thank you for your attention to this urgent matter. Please feel free to contact me via phone or email should you need additional documentation or clarification. 

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