Consumer complaint received 2024-10-16 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: UT

Complaint narrative:
This complaint is being filed against Experian, XXXX, and XXXX for their failure to verify and correct inaccurate information related to a late payment reported on my XXXX account ( account number : XXXX ) **. This inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, and I request immediate removal of this information from my credit report. 

Violations of Rights : 1. Inability to Verify Information : The credit reporting agencies have failed to verify the accuracy of the late payment reported for XX/XX/year>. Under 15 U.S.C. 1681i, credit bureaus are required to conduct a proper investigation and either verify the accuracy of the information or remove it from the credit report. In this case, despite my requests, they have not provided any proof that the information is correct, violating my rights under the FCRA. 
2. Inconsistent Reporting : Furthermore, I have noticed inconsistencies in how the late payment is being reported : Experian : Reporting a 30-day late payment for XX/XX/year>. 
XXXX : Reporting a 30-day late payment for XX/XX/year>. 
XXXX : Reporting a 60-day late payment for XX/XX/year>. 
These inconsistencies highlight the lack of accuracy in the reporting of my credit information. Under 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the maximum possible accuracy in credit reports, and the continued reporting of conflicting information clearly violates this requirement. 

XXXX Requested : I am formally requesting the following actions : 1. Immediate removal of the inaccurate late payment from my credit report with all three credit reporting agencies ( Experian, XXXX, and XXXX ). 
2. Verification and documentation of how each agency attempted to verify the late payment information. I request proof of any investigation conducted and communications with XXXX. 
XXXX. Correction of any negative impact this false information has had on my credit score and profile.

Supporting Documentation : I have attached the following documents in support of my complaint : Credit reports from all three agencies ( Experian, XXXX, and XXXX ) showing the inconsistent late payment reporting. 
Proof of payment for the disputed late payment, made on XX/XX/year>, which proves that the payment was made on time. 
Previous dispute letters and any responses received ( or lack thereof ) from the credit reporting agencies and XXXX. 

Conclusion : The failure of these credit bureaus to verify the accuracy of the information or to remove the false late payment from my report is a clear violation of my rights under the FCRA. I expect immediate action to be taken to correct these errors, including the removal of the false late payment and the restoration of my credit to its proper status.

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