Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau concerning the inaccurate and potentially misleading reporting of XXXX tradelines and XXXX recent inquiry on my credit file. Despite their recent nature, these accounts are already being reported with delinquencies, and I have not received any documentation validating the late payment statuses. The continued reporting of these derogatory marks without appropriate substantiation constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Disputed Tradelines : XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  This account, opened XX/XX/XXXX, is reporting a late payment on a high balance of {$2100.00}. This is a very recent account, and I dispute the legitimacy of any reported delinquency. The account should not be marked as late so soon after opening without a complete payment history or proper notice. I have not received documentation or confirmation from the furnisher that validates the status. This is in violation of FCRA 607 ( b ) and 623. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Late payment reporting is being made on an account opened XX/XX/XXXX, with a high balance of {$430.00}. I dispute the late payment and have not been presented with a billing cycle breakdown or substantiated evidence of delinquency. The accounts reporting appears either premature or incorrect and must be reviewed under FCRA 611. Disputed Inquiry : XXXX  XXXX Inquiry Dated XX/XX/XXXX I am also disputing a hard inquiry by XXXX  XXXX dated the same day as the account was reportedly opened. I do not recall authorizing this inquiry, and it raises concerns of potential unauthorized access or miscommunication regarding consent. Under FCRA 604, every inquiry must have a permissible purpose and proper authorization. Legal Concerns and Harm : These reporting issues have resulted in unwarranted harm to my credit score, creating barriers to fair lending access and adding undue emotional stress. The rapid reporting of late payments shortly after account openings, coupled with a possibly unauthorized inquiry, reflects negligent or automated reporting practices in conflict with FCRA requirements for accuracy and fair treatment. Requested Resolution : I request the CFPB investigate and instruct the relevant credit reporting agencies and furnishers to : Reinvestigate the accuracy of the XXXX accounts and provide documentation to support the delinquency status Remove or correct any unverifiable or premature negative reporting Review and, if necessary, remove the XXXX  XXXX inquiry if not backed by clear, documented authorization Confirm in writing the results of these actions and issue an updated credit report If these matters remain unresolved, I will pursue complaints through the FTC and State Attorney General, and reserve the right to take legal action under FCRA 1681n and 1681o.

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