Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this complaint because several late-payment entries appearing on my credit report are not accurate, not fully verified, and not properly reported, and I am requesting a full investigation into how these late payments were added to my file. I am disputing these late-payment entries because many of them do not match my actual payment behavior, some do not reflect payments I actually made, and others appear to have been reported in error or without proper validation. 

These inaccurate late-payment entries involve the following companies : XXXX multiple XXXX, XXXX, and XXXX late payments XXXX XXXX XXXX XXXX  late payments listed on multiple accounts XXXX XXXX XXXX XXXX late payments listed on multiple accounts XXXX XXXX Bank late-payment history I do not recognize These accounts have significantly damaged my credit, and the reporting does not accurately reflect my real payment history, my communication attempts with these lenders, or the timing of my payments. I am asking the CFPB to review this situation because I have tried to resolve it directly with the credit bureaus, but the inaccurate late payments stayed on my report despite my disputes. 

1. XXXX Late Payments I Do Not Recognize or Agree With My credit report shows late payments on the XXXX account, including : 30 days late 2 times 60 days late 3 times 90 days late 6 times This reporting is not accurate. The dates of these alleged late payments do not match the payments I made. There were times when payments were posted incorrectly or delayed through their system, and there were months when I paid but their system did not process it on time. 

I was not properly notified that my payments were being marked late, and at no time did XXXX provide documentation showing the exact billing cycles, the dates my payments were posted, or how they calculated these delinquencies. Instead, these late payments appeared without transparent explanation. 

I dispute this reporting because : I made payments during several of these periods. 

The company failed to send proper notices. 

The reporting does not match my own payment records. 

Some payment postings were delayed through no fault of my own. 

These late marks are inaccurate and have caused significant harm to my credit. 

2. XXXX  XXXX Late Payments Not Accurately Reported My report lists late payments for XXXX XXXX XXXX XXXX on multiple accounts, including : 30 days late 2 times I dispute these late-payment entries because I made payments during the time periods that XXXX  claims I was late. In several cases, my payments were made before the due date but did not post on time due to delays in processing. I also did not receive any notice stating my payment would be considered late or that there was an issue with my payments. 

XXXX XXXX never provided : A full list of exact due dates A payment ledger with posting times A breakdown of how they calculated the late payments Any written notice that the payment was marked late Without this information, I can not validate the accuracy of these late-payment notations. 

I have always attempted to communicate with Founders, and I have made every effort to pay on time. The reporting on my credit report does not reflect my real actions, and it unfairly penalizes me for what appears to be system delays or reporting errors. 

3. XXXX XXXX XXXX XXXX Incorrect Late-Payment Reporting XXXX XXXX XXXX XXXX is reporting the following late-payment history on two accounts : 30 days late 2 times 60 days late 1 time I dispute these reports because some of these alleged late payments occurred during a period when I made payments that did not post correctly, and XXXX XXXX failed to notify me about these supposed delinquencies. 

There were several issues with XXXX XXXX system, including : Payments being credited late even though they were made on time System delays that caused posting errors No advance warning that payments were considered past due No opportunity to correct or resolve the delayed posting At no time did XXXX XXXX  provide : Documentation proving I was late Statements showing the exact posting date of each payment Evidence that they attempted to contact me about a missed payment In several cases, I attempted to make payments, but the processing did not complete properly. These circumstances should not be treated as valid late payments. 

4. XXXX XXXX Bank Late Payments I Do Not Agree With XXXX XXXX Bank shows the following : 30 days late 1 time This late payment is inaccurate. I paid this account and fulfilled my obligation, yet they reported a late payment without providing : A timeline of billing dates Payment posting records Evidence that a payment was missed Any communication notifying me of delinquency I dispute this late payment because it does not match my payment history and appears to have resulted from processing problems or reporting errors. 

5. These Late-Payment Reports Have Caused Significant Harm These inaccurate late-payment entries have : Lowered my credit score Affected my ability to qualify for lending Increased my cost of credit Damaged my creditworthiness Caused emotional stress and financial setbacks These negative entries do not accurately reflect my payment behavior, and the companies involved have not provided evidence to justify these delinquencies. 

6. I Requested Validation but Received No Proper Documentation Under the FCRA, I have the right to : Request verification Receive documentation Receive accurate reporting Have disputed information corrected I disputed these late-payment entries with the credit bureaus multiple times . However, the companies responded with automated verified results without providing : Proof of the actual due dates Proof of the posting dates Notices sent to me about late payments Copies of statements showing I was delinquent Because the companies did not provide actual evidence, the late-payment entries should not remain on my credit report. 

7. I Was Not Notified Before Late Payments Were Reported None of these companies provided : Alerts Emails Letters Phone calls Statements Official notices Indicating that a payment would be considered late or that my account was past due.

Under FCRA, furnishers are required to report accurately and provide consumers with meaningful opportunities to correct or dispute information before negative reporting occurs.

I did not receive that opportunity.

8. Payment Processing Delays Should Not Count as Late Payments In multiple cases : I made payments The companies did not post them on time The payment was processed late due to internal delays The company marked me late even though I paid during the appropriate time window Unfair payment posting practices should not result in negative credit reporting. 

9. Some Late Payments Occurred During Periods When I Attempted to Pay but Systems Failed There were occasions when : Online portals were down Automatic payments failed without notification Systems were undergoing maintenance Payment processing errors occurred These issues were out of my control.

Yet I was still marked late.

10. I Am Requesting a Full Investigation Into All Late-Payment Accounts I am asking the CFPB to assist with a full investigation because : The late-payment entries are inaccurate Companies did not validate the information No statements or proof were provided Payment delays were often caused by system errors I was not notified properly The reporting does not match my records I have always made a sincere effort to maintain good payment behavior, and these late-payment reports do not reflect my true actions.

11. My Requests Are Reasonable and Supported by My Rights Under FCRA I am not asking for anything unfair or unreasonable.

I am simply requesting : Accurate reporting Validation of late-payment claims Removal of any inaccurate late-payment data Fair treatment under the FCRA The companies listed have not provided evidence that supports the late-payment history being reported.

12. Summary To summarize what happened : Multiple companies reported late-payment entries that are inaccurate, not validated, or caused by internal system delays. 

XXXX shows repeated late-payment history that does not reflect my actual payments. 

XXXX  XXXX reported late payments without providing documentation or proper notice. 

XXXX XXXX reported late payments during periods where I made payments that were not posted correctly. 

XXXX XXXX Bank reported a late payment that does not match my payment history. 

I attempted to dispute these accounts, but the companies did not provide proper validation or documentation. 

These late-payment entries have damaged my credit unfairly. 

I am asking for a full review of these inaccuracies and for the CFPB to help ensure these companies provide proper documentation or remove the incorrect late-payment entries.

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