Consumer complaint received 2025-12-03 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: MO

Complaint narrative:
I am submitting this statement to explain the circumstances surrounding the late-payment notations that appear on my credit report. I am addressing these accounts specifically because they contain late-payment history, and I want to provide full context so the companies involved understand why the late payments occurred, why they do not accurately reflect my current financial situation, and why a reevaluation and correction would be fair. 

This statement applies ONLY to the late-payment accounts listed below and does not relate to any derogatory or collection accounts. The accounts involved in this section are : XXXX XXXX XXXX XXXX ( XXXX XXXX ) 30-day late XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX 30-day lates XXXX  XXXX XXXX XXXX lates XXXX  XXXX XXXX XXXX lates XXXX  XXXX XXXX XXXX lates XXXX  XXXX XXXX XXXX lates XXXX XXXX late + 60-day late ( Paid/Closed ) I am providing a full breakdown of what happened, including context, circumstances, financial disruptions, and the steps I took to resolve these issues. I am not disputing that these late payments occurred ; instead, I am explaining the events that led to them so that the companies and credit bureaus can consider the full picture, including corrective actions I have taken, responsible financial behavior since the late-payment incidents, and factors beyond my control that temporarily interfered with payment ability. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account displays a single 30-day late payment. This late payment resulted from a temporary and unexpected financial hardship during that period. At the time, I was dealing with overlapping financial obligations and income disruptions that made it extremely difficult to keep up with due dates. 

This situation was not due to negligence or unwillingness to pay ; it was a direct result of a short-term income interruption. As soon as my financial situation stabilized, I immediately resumed payments. I worked actively to correct the account status, and the account was ultimately closed with a XXXX balance. 

I have not had any further issues with XXXX XXXX since then, and I have demonstrated responsible financial management after that isolated event. Given that it was a one-time occurrence with mitigating circumstances, I respectfully request reconsideration of the negative reporting, as it does not reflect my overall reliability or current financial stability. 

XXXX. XXXX XXXX XXXX MULTIPLE 30-DAY LATE PAYMENTS The XXXX XXXX XXXX account displays several late payments : five 30-day lates. These occurred during a very challenging period marked by significant financial disruption. At that time, I experienced a combination of : Income instability Unexpected expenses Increased household obligations Delays in employer payments A temporary loss of consistent work hours These issues created a situation where I had to prioritize essential needs such as housing, utilities, medical care, and transportation. I made every effort to remain current, but during that window of time, payments to XXXX XXXX XXXX were delayed. 

However, once I regained stability, I immediately resumed my payments and have maintained consistency since then. I have since taken proactive steps to avoid payment disruptions, including : Setting up automatic payments Tracking due dates more closely Creating budget buffers Monitoring accounts to prevent future issues These late payments occurred during an extraordinary period of hardship and do not reflect my long-term credit behavior. I request that this context be taken into consideration, as the payment history after that time has been steady and reliable. 

XXXX. XXXX XXXX XXXX XXXX LATE PAYMENTS The XXXX  XXXX student loan account contains two 90-day late payments, and these occurred during a time of severe financial distress. During that period, I had : A significant drop in income Financial emergencies Medical-related expenses A temporary inability to keep up with multiple loan servicers In addition, this was during a time of confusion regarding student loan servicers, transfer of accounts, and changes to repayment programs. I did not receive consistent or clear communication about due dates, deferment eligibility, or income-driven payment options. 

Once I realized the severity of the delinquency, I immediately reached out to XXXX, updated my information, explored repayment options, and resumed making payments. Since that time, I have maintained on-time payments, demonstrating my ongoing commitment to managing my student loans responsibly. 

These late payments were tied to unusual hardship circumstances and do not reflect my long-term behavior. 

XXXX. XXXX XXXX XXXX XXXX LATE PAYMENTS The XXXX  XXXX account also displays two 90-day lates, which are from the same period of financial instability. During this time : I was transitioning between employment situations Household expenses increased Unexpected family-related medical obligations arose Communication issues with the servicer contributed to confusion At that time, I was not aware that I was eligible for deferment or forbearance options, which could have prevented the late reporting. If proper guidance had been provided earlier, I would have used those resources to avoid delinquency. 

Once I became aware of available repayment relief programs, I took immediate action to correct the situation and resume payment responsibility. Since resolving that hardship period, I have maintained stability and continuity in my loan payments. 

XXXX. XXXX XXXX XXXX 90-DAY LATE PAYMENTS The XXXX  XXXX account displays two 90-day late payments, consistent with the same financial hardship period as the other XXXX  accounts. All these late entries were the direct result of : A sudden reduction in household income A lack of updated communication from the servicer Inability to adjust due dates or repayment terms during the hardship period Health-related emergencies affecting finances These late payments do not represent intentional neglect. They were temporary, and once my situation stabilized, I updated my account, resumed timely payments, and worked to ensure no future late occurrences. 

XXXX. XXXX XXXX XXXX 90-DAY LATE PAYMENTS The XXXX  XXXX account reflects two 90-day lates, and again these align with the same period of instability discussed above. I was undergoing major financial strain at that time, and because these loans are serviced separately, it was extremely challenging to manage multiple accounts simultaneously. 

Once I regained financial stability, I ensured that all XXXX  accounts were brought back into good standing. I have demonstrated a strong payment history since then. The late payments were isolated incidents caused by temporary hardship. 

XXXX. XXXX 30-DAY & 60-DAY LATE PAYMENTS The XXXX account displays one 30-day late payment and one 60-day late payment. These occurred several years ago during a time when I was managing multiple financial challenges, including job-related disruptions and unexpected expenses. Despite these challenges, I ultimately paid the account in full, and it is now closed and paid. 

The lateness on this account occurred during an extraordinary period of financial instability and does not reflect my current financial reliability. Since that time, I have maintained responsible financial habits and have not had any late payments on this account or any similar accounts. 

8. SUMMARY OF WHY THESE LATE PAYMENTS OCCURRED Across all these accounts, the late payments stemmed from : Temporary income loss Job transitions Unforeseen emergencies Family-related obligations Medical-related challenges Servicer communication issues Lack of awareness of hardship programs Systemic confusion among student loan servicers These circumstances were not due to negligence or unwillingness to fulfill my obligations. They were temporary disruptions during a period of instability.

9. STEPS I HAVE TAKEN TO PREVENT FUTURE LATE PAYMENTS Since then, I have taken strong, proactive steps to ensure my accounts remain in good standing : Automatic payments established Payment reminders set on all accounts Budget restructuring to prioritize debt obligations Emergency savings buffer created Direct communication with lenders about hardship options Monitoring credit reports regularly Using budgeting apps to track due dates Updating contact information with all servicers These changes demonstrate responsible financial behavior and show that the late payments were temporary obstaclesnot ongoing issues. 

10. WHAT I AM REQUESTING IN FAIR RESOLUTION Given the circumstances, the steps taken since then, and my efforts to remain current, I respectfully request : A full reconsideration of late-payment reporting Removal or goodwill adjustment of the late-payment history Recognition of financial hardship circumstances Review of my strong payment history since the incidents Fair reporting that reflects my current financial reliability These late payments do not represent my overall behavior as a borrower and occurred during an extraordinary period of hardship.

11. FINAL STATEMENT This statement is not a dispute of the existence of these accounts. Instead, it is a request for fair evaluation of the late-payment history within context. I have demonstrated long-term responsibility, improved financial habits, and consistent payment behavior after these isolated incidents. 

A fair resolution would acknowledge the circumstances, the corrective actions taken, and my strong financial performance since thenreflecting an accurate and fair representation of my creditworthiness.

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