Consumer complaint received 2025-08-10 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: OH

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX Experian Information Solutions Inc. XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal FCRA Dispute Inaccurate Late Payment Reporting Central Loan Admin & Reporting # XXXX Dear Transunion/Experian/Equifax Compliance Department : I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. to dispute the late payment notations reported on my credit file for the above-referenced mortgage account.

The account is being reported with 530-day, 660-day, and 490+ day lates ( including over-120-day lates ). This is factually inaccurate. I have never been late paying this account, and my own payment records prove these entries are false.

Identified Inconsistencies Across Bureaus 1. Date of Last Payment / Activity : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX 2. Late Payment Counts ( 30/60/90+ ) : TransUnion : 5 / 6 / 4 Equifax : 5 / 6 / 4 Experian : 5 / 6 / 4 ( All inaccurate I have never been late ) 3. Months Reviewed : TransUnion : 28 months Equifax : 28 months Experian : 29 months 4.On-Time Payment Percentages : TransUnion : 46 % Equifax : 38 % Experian : 40 % ( All false should reflect 100 % on-time ) Legal Basis for Dispute FCRA 1681e ( b ) Credit reporting agencies must assure maximum possible accuracy in credit reporting.

FCRA 1681i ( a ) ( 1 ) ( A ) Upon receiving a dispute, CRAs must conduct a reasonable reinvestigation within 30 days.

FCRA 1681i ( a ) ( 5 ) ( A ) If information can not be verified, it must be deleted from the file.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Consumers have the right to receive the Method of Verification ( M.O.V. ) when information is verified.

Demand for Method of Verification If you verify these late payments, provide : The name, address, and telephone number of the furnisher who verified them.

The date and time of the verification.

Copies of documentation proving each alleged late payment.

An explanation of how the on-time payment percentage was calculated.

Supporting Case Law Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) CRAs must conduct an independent investigation, not rely solely on furnishers.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Inconsistent credit data is inaccurate under the FCRA.

Koropoulos v. Credit Bureau , Inc., 734 F.2d 37 ( D.C. Cir. 1984 ) Even technically correct data can be deemed inaccurate if misleading.

Requested Action Conduct a full reinvestigation of all alleged late payments.

Correct the record to reflect Paid as Agreed / Never Late for this account.

Update payment history to 100 % on-time.

Provide the full Method of Verification if any late payment is verified.

Provide written confirmation of corrections or deletions within 30 days.

Failure to comply will be considered willful noncompliance under 15 U.S.C. 1681n, entitling me to pursue actual, statutory, and punitive damages.

Enclosures : Copy of government-issued ID Proof of current address Highlighted credit report showing disputed entries 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