Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed the above account and received the dispute results. I disagree with the dispute results. When I disputed the account, Experian reported the account as 30 days late in July 2023, 30 days late in XXXX  2024, 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX. As a result of my dispute, Experian is reporting the account as Current in XXXX  2023, 60 days late in XX/XX/XXXX, Current in XXXX  2024, 30 days late in XX/XX/XXXX, Current in XXXX  2024, 30 days late in XX/XX/XXXX and 30 days late in XX/XX/XXXX. Pages of my Experian reports showing these discrepancies are being attached. 

XX/XX/XXXX. Experian is reporting the account as 60 days late for this month. This is impossible. The account is reporting as Current in the prior month, XX/XX/XXXX and it is arithmetically impossible for the account to go from XXXX in XX/XX/XXXX to 60 days late in XX/XX/XXXX. This is not the first time that this furnisher has mistakenly reported the account as 60 days late for this month ( or XX/XX/XXXX ). By letter dated XX/XX/XXXX, XXXX XXXX XXXX  mailed me a letter that acknowledged the account was incorrectly reporting as 60 days late. From the letter, I quote, After further review of the information that you provided with your complaint, we have found that a payment was incorrectly reflected as 60 days late, rather than 30 days late. On XX/XX/XXXX, an update was sent to the credit bureaus to correct this information. Please keep in mind that this information may take up to thirty ( 30 ) days to reflect on your credit report. The letter is being attached. 

In this same letter, the company also admits that I was blocked access from my account and thats why the payment was not made within 30 days. Again, I quote from the letter, The Contact Center Representative ( CCR ) who assisted you confirmed that you had a landline phone number enrolled to receive text message verification codes, which was causing you to be unable to login. By XX/XX/XXXX, Experian had stopped reporting the account as XXXX late in either XXXX or XX/XX/XXXX. It was not until XX/XX/XXXX that Experian began reporting the account as late in XXXX or XX/XX/XXXX. 

XX/XX/XXXX. Experian has reported XX/XX/XXXX as both Current and 30 days late. The same for XX/XX/XXXX. For an entire year, the account was not reported as late for XX/XX/XXXX. In XX/XX/XXXX, Experian reported the account as 30 days late in XX/XX/XXXX. After I disputed this month as late, Experian changed it to current but changed XX/XX/XXXX from current to 30 days late. This is unreliable reporting. I made payments each month, including a {$400.00} payment in XX/XX/XXXX, {$720.00} payment in XX/XX/XXXX and {$740.00} payment in XX/XX/XXXX. The monthly payment amount due for each month is about {$600.00}. 

XX/XX/XXXX. Experian has reported XX/XX/XXXX as both XXXX and 30 days late. The same for XX/XX/XXXX. For an entire year, the account was not reported as Current for XXXX and XX/XX/XXXX. In XX/XX/XXXX, Experian reported the account as 30 days late in XXXX and XX/XX/XXXX. After I disputed those months, Experian changed it from 30 days late for XXXX and XX/XX/XXXX to current in XX/XX/XXXX and 30 days late in XXXX and XX/XX/XXXX. This is unreliable reporting. I made payments each month, including a {$710.00} payment in XX/XX/XXXX, {$690.00} payment in XX/XX/XXXX, and {$640.00} payment in XX/XX/XXXX. The monthly payment amount due for each month is about {$600.00}. 

XX/XX/XXXX. Experian has reported XX/XX/XXXX as both Current and 30 days late. The same for XX/XX/XXXX. For an entire year, the account was not reported as Current for XX/XX/XXXX. In XX/XX/XXXX, Experian reported the account as 30 days late in XX/XX/XXXX. After I disputed this month as late, Experian changed it to current but changed XX/XX/XXXX from current to 30 days late. This is unreliable reporting. I made payments each month, including a {$690.00} payment in XX/XX/XXXX, {$640.00} payment in XX/XX/XXXX and {$800.00} payment in XX/XX/XXXX. The monthly payment amount due for each month is about {$600.00}.

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