Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX Department XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX NOTICE OF INTENT TO ARBITRATE RE : Self Credit Builder Account Misreporting, Conflicting Tradelines, and Demand for Immediate Removal of All Late Payments To Whom It XXXX Concern : This letter serves as my formal Notice of Intent to Arbitrate under the Self Financial Terms of Service and the Federal Arbitration Act. I am demanding immediate correction of your inaccurate, inconsistent, and harmful credit reporting regarding my XXXX XXXX XXXX Account. 

For more than a year, I have made every effort to address and resolve this matter directly and professionally. You have repeatedly denied my disputes, dismissed my documented evidence, and furnished multiple inconsistent versions of my payment history to the major credit reporting agencies. Your most recent updates now confirm what Ive been saying from the start. 

FACTUAL SUMMARY Initially, you reported my account as XXXX XXXX late for XX/XX/year>, and claimed the last payment was made in XX/XX/year>. You also stated that the account was closed on XX/XX/year>, at 80 days past due, and that I had not paid in full. 

However, after escalating my dispute as fraud, your system added a new on-time payment for XXXX XXXX payment that had never previously been reflected in your reporting. This validates what Ive been telling you : I paid the account in full, and The XXXX payment could not have been missed if XXXX was on time. 

Furthermore, you shifted the late payment from XXXX to XXXX, without explanation, creating inconsistency across different bureau reports. 


Evidence of XXXX I have attached screenshots from XXXX separate credit bureau reports, each showing different versions of the same tradeline : XXXX. Experian ( current ) shows a late payment for XX/XX/year>, followed by on-time payments for XXXX and XX/XX/year>. 
XXXX. TransUnion shows an on-time payment for XX/XX/year>, a late payment for XXXX, and no history beyond that. 
XXXX. Experian ( prior ) shows an on-time payment for XXXX, a late payment for XXXX, and no XXXX payment at all. 

These discrepancies expose your failure to furnish consistent, accurate information as required by the FCRA. 



Lets assume for the sake of argument that everything youre claiming is true, and I am mistaken. 

You still recently updated a closed accountwhich you claim was fully settled and finalized in XXXX XXXX adding a new on-time payment for XX/XX/year>. 

Under the Fair Credit Reporting Act, updating a closed account with new information that alters the historical payment timeline or contradicts prior reporting warrants deletion of that tradeline entirely. You can not alter the payment structure of a closed account without recourse. 

Therefore, even if your narrative were accurate, the update alone constitutes a substantial violation and justifies deletion of the full account. 

DEMAND FOR REMEDY However, I am not asking for deletion. I am making a reasonable request : I demand the immediate removal of all late payments associated with this account, so that it reflects a perfect payment history. 

This request is within my legal rights and fully justified based on the timeline, contradictions, and harm caused. For more than a year, your actions have resulted in : A documented XXXX drop in my XXXX XXXX, Repeated credit denials, and A serious hindrance to my financial progress. 

I am demanding resolution within XXXX calendar days from the date of this letter. If you do not remove both late payments from this account by that time, I will initiate arbitration. 

NOTICE OF FUTURE ACTION If unresolved within the required timeframe, I will file a formal Demand for Arbitration with the XXXX XXXX XXXX XXXX XXXX ), seeking : Full statutory damages under the FCRA and applicable consumer laws, Compensation for financial and emotional harm, Injunctive relief, and Legal costs associated with this action. 

I am fully prepared with documented proof of every communication, dispute, screenshot, and historical version of this tradeline. You will not be able to rely on vague or generalized defenses. I am no longer requesting cooperationI am demanding justice. 

LEGAL GROUNDS FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information with knowledge of inaccuracy FCRA 623 ( a ) ( 8 ) Failure to reasonably investigate a dispute FCRA 623 ( a ) ( 7 ) Failure to notify the consumer before furnishing negative data Violation of FCRAs requirement to cease reporting inaccurate or outdated info Negligent furnishing and reckless disregard for accuracy standards This is not just a legal failureit is a failure of duty, ethics, and care. I trusted your platform to build my credit. You responded with negligence, misinformation, and harm. If this is not rectified within XXXX XXXX, I will pursue all available remedies, without limitation. 

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