Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX XXXX XXXX Account Dear CFPB Representative, I am writing to formally file a complaint regarding inaccurate late payment information reported by XXXX, Experian, and XXXX on my XXXXXXXX XXXX XXXX account. These errors have caused significant harm to my creditworthiness, and I believe the reporting practices violate the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 
Account Details Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan High Balance : {$43000.00} Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Balance Owed : {$0.00} Nature of the Complaint Inaccurate Reporting of Late Payments The following late payments have been inaccurately reported across the credit bureaus, despite my consistent on-time payments : XXXX : 30-day late payments reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX and Experian : 30-day late payments reported for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments are erroneous as I have been enrolled in autopay for this account since its inception, ensuring all payments were made on time. 
Account Discrepancies In addition to the late payments, the following inconsistencies exist in my credit report : Closed Date Discrepancy : XXXX incorrectly reports the closed date as XX/XX/XXXX, while XXXX and Experian report it as XX/XX/XXXX. 
Payment History Errors : XXXX reflects fewer inaccuracies compared to XXXX and Experian, yet all three bureaus fail to provide a consistent, accurate account history.

Violation of Federal Consumer Protection Laws The errors and inconsistencies in my account reporting constitute violations of : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Obliges credit reporting agencies to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 : Mandates furnishers of information to report accurate data.

Fair Debt Collections Practices Act ( FDCPA ) : Misrepresentation of account status violates my consumer rights.

Truth in Lending Act ( TILA ) : Requires accurate reporting of financial information to protect consumers.

Requested Resolution To resolve this matter, I respectfully request the following : Immediate Correction : Remove all inaccurate late payments from my credit report across XXXX, Experian, and XXXX. 
Payment History Adjustment : Update my account to reflect 100 % on-time payments for the entire reporting period.

Confirmation of Resolution : Provide written documentation confirming that the corrections have been made within 30 days of receiving this letter. 
Failure to resolve these inaccuracies may result in further action, including formal complaints to other regulatory bodies or legal remedies under the FCRA.

Thank you for your prompt attention to this matter. I look forward to your confirmation that this issue has been resolved. 
Sincerely, XXXX 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