Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint regarding the inaccurate and unverifiable negative items reported by Experian on my credit report. These items are adversely impacting my credit score and ability to secure financing. The details of the items are as follows : 1. Inaccurate Late Payments XXXX XXXX  Secured Loan - Account : XXXX Account Type : Secured Loan Account Status : Open Balance : {$12000.00} Monthly Payment : {$300.00} Date Opened : XX/XX/XXXX Late Payments Reported : Late in : XX/XX/XXXX, XX/XX/XXXX, and two other months ( see specific account history in Experian report ) I am requesting the removal of these late payments as they are incorrectly reported. I was never informed about these late payments and have consistently made payments as agreed. 

XXXX XXXX XXXX  XXXX XXXX Account : XXXX Account Type : Secured Loan Account Status : Closed ( Paid Off ) Original Balance : {$1600.00} Last Payment Date : XX/XX/XXXX Late Payment : Reported as late payment in XX/XX/XXXX I request that the late payment be removed, as the loan was paid off on time. There is no evidence supporting the late payment status. 

XXXX. Hard Inquiries ( Request for Deletion ) : A. Hard Inquiry - XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Inquiry by : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX B. Hard Inquiry - Mortgage Companies Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Inquiry by : XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXXXXXX I request that both of these hard inquiries be deleted as they were unauthorized or inaccurately reported. 

Summary of Issues : Experian has failed to properly investigate and validate these items upon my dispute and has left damaging marks on my credit report. These inaccuracies are directly impacting my creditworthiness and future financial opportunities, including the purchase of a house and car. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and correct or remove inaccurate, incomplete, or unverifiable information within 30 days. 

Experian violates my rights as a consumer, as well as federal laws. 

Legal Rights Under the Fair Credit Reporting Act ( FCRA ) : Experians failure to accurately report and validate these late payments and hard inquiries violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 Requires investigation and correction of inaccurate information within 30 days of receiving a dispute.

Section 623 Ensures that all reported information is accurate and verifiable.

Section 605 States that any negative information that is older than 7 years must be removed, ensuring consumers are not penalized for outdated, unverifiable data. 
Experian has not adhered to these legal requirements, resulting in unfair reporting that continues to negatively impact my credit. 

Requested Action : Immediate deletion of all inaccurate late payments on the aforementioned accounts.

Immediate deletion of all unauthorized and inaccurate hard inquiries.

I have attached my identification documents for verification purposes. 

Thank you for your attention to this matter. I look forward to your prompt resolution of these issues. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX SSN ( Last 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