Consumer complaint received 2025-09-26 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: NV

Complaint narrative:
On XX/XX/XXXX ( see attached ) at about XXXX XXXX I filed a request online with Experian that they investigate and verify a recent " 30 day late '' payment with XXXX XXXX  and XXXX XXXX. On XX/XX/XXXX ( see attached ) at about XXXXXXXX XXXX XXXX less than XXXX hours after I filed my request with Experian to investigate and verify this " 30 day late '' payment, Experian said that they investigated the matter and it remained un-changed. 

I dispute the fact that this matter was investigated and verified by BOTH Experian, and XXXX XXXX  XXXX in less than XXXX hours. When I filed the request with Experian, I also uploaded numerous documents and a copy of a statement from XXXX to support my contentions that his " 30 day late '' is inaccurate and should be immediately removed from my Experian credit file. 

On XX/XX/XXXX, I sent to Experian a registered letter with accompanying documentation ( see attached mailing receipt ) requesting that they do a thorough and complete investigation and verification of this matter. 

The dispute that I have with XXXXXXXX XXXX is as follows : XXXX XXXX XXXX, Last Four ID # XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  Recent 30 Day Late On XXXX XXXX XXXX  Due To XXXX XXXX XXXX XXXX XXXX  Error Hello, Back in mid XX/XX/XXXX I changed from XXXX XXXX XXXX XXXXXXXX XXXX XXXX I went on to the XXXX XXXX and updated my AUTO PAY information for both of my account-XXXX CirclXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX to reflect the new payment account at XXXX XXXX XXXX 

On or about XX/XX/XXXX, I was advised that the auto payment on # XXXX was rejected because it was still drawn from the OLD and XXXX XXXX XXXX  Account. On or about XX/XX/XXXX, I was advised that the auto payment on account # XXXX was also rejected because it was still drawn from the OLD and XXXX XXXX XXXX  Account. XXXX also charged me late fees and returned check charge. 

On or about XX/XX/XXXX, I went online or called the customer service number, I do not recall which, and again made sure that the correct XXXX XXXX account was listed. I knew that I would be traveling over the remainder of the summer with very limited access to mail, voicemails etc. so I also went into a XXXX store on XX/XX/XXXX and made a {$100.00} cash payment on both # XXXX and # XXXX. I point out, that this was enough to cover the minimum payments for each account for XXXX months. At the time that I made these {$100.00} payments, I indicated to the clerk that I wanted them applied to my future minimum payments. The clerk said that she understood. 

Once again, and while I was traveling, another payment of {$32.00} for account # XXXX was rejected on XX/XX/XXXX, and a payment of {$30.00} for account # XXXX was rejected on XX/XX/XXXX. I was also charged late fees and a returned check charge. 

Once again, on XX/XX/XXXX I was charged a late fee for account XXXX XXXXXXXX, on XX/XX/XXXX I was also charged a late fee for account XXXX XXXXXXXX. NO auto payment was drafted from either XXXXXXXX XXXX XXXX XXXX XXXX. I am now questioning whether this is a systemic problem with your payment system and/or a way to generate additional income from XXXX XXXX  holders?? 
On XX/XX/XXXX I was alerted by one of the credit monitoring services that no payment had been recently made for my XXXX accounts. I immediately went online and paid {$170.00} for account # XXXX. I went online and checked the auto pay system and it seemed to have the XXXX XXXX XXXX account listed. 

On XX/XX/XXXX I received an email alert from one of the credit monitoring services that my XXXX, Experian, and XXXX  are now showing a 30 day late for account # XXXX. 

Based on the above, I hereby request that XXXX XXXX immediately : XXXX. Remove the incorrect 30 day late on all credit agencies. 
XXXX Credit me back for all late fees and returned check charges. 
Thank You, XXXX 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