Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against the following creditors and furnishers who have reported false and inaccurate information to the consumer reporting agencies in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related consumer protection laws. 
XXXX XXXX XXXX  High Balance : {$530.00} Date Opened : XX/XX/year> Late Payment I dispute the late payment reporting on this account because I have never been late in making any payments. The creditor has falsely marked my account as delinquent which has resulted in a derogatory mark on my credit report. This constitutes furnishing inaccurate information in violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits a furnisher from reporting information it knows or should know is inaccurate. I maintain records of my payments and none were late. Reporting false late payments is a reckless act that is damaging my creditworthiness, my ability to obtain housing, and fair access to financial services. 
XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/year> Late Payment * * I challenge the accuracy of the late payment reporting on this account. I have always maintained my XXXX XXXX account responsibly, and there has never been a late payment. This false entry is misleading and constitutes an unfair and deceptive reporting practice. Under FCRA 607 ( b ), consumer reporting agencies must ensure maximum possible accuracy of the information they report. This entry violates that standard. I am requesting immediate removal of the inaccurate late payment status and correction of my payment history to reflect accurate reporting. The damage from this false mark is causing undue hardship, denial of credit, and emotional distress due to financial harm. 
XXXX XXXX XXXX XXXX  High Balance : {$5000.00} Date Opened : XX/XX/year> Late Payment * * This late payment notation is entirely false. I dispute it in full and demand reinvestigation. I have no record of being late on this account. In fact, I have always made my payments on time. The creditor and reporting agency are in violation of FCRA 611 ( a ), which requires reasonable reinvestigation of disputed information. Continuing to report a false late payment after being notified of its inaccuracy would also constitute willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617, making the furnisher and the reporting agency liable for statutory damages, actual damages, and attorney fees. This false derogatory reporting is preventing me from qualifying for necessary credit and is unfairly damaging my financial standing. 
Requested Resolution : XXXX. I request that the CFPB investigate these violations and hold the creditors/furnishers accountable for furnishing false data. 
XXXX. I demand the removal or correction of the inaccurate late payment notations from all three credit bureaus ( Experian, XXXX, XXXX  ). 
XXXX. I request confirmation that corrective actions have been taken and that my credit report reflects accurate payment history. 
XXXX. If the furnishers can not provide documented proof of these alleged late payments, they must delete these entries immediately. 
These actions have caused me severe hardship, including denial of credit, higher interest rates, and emotional stress. I trust that the CFPB will enforce compliance with the law and ensure that my consumer rights under the FCRA are protected.

Company response to consumer: Closed with explanation