Consumer complaint received 2025-08-07 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: IA

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and damaging information being reported on two XXXX XXXX credit card accounts across the three major credit reporting agencies : TransUnion, Experian, and Equifax.

Account XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon reviewing my most recent credit report, I seen inaccurate late payment entries for XX/XX/year> and XX/XX/year>, which are impacting my credit profile despite the fact that these payments were made on time. 

Here are the reporting inconsistencies : XX/XX/year> : TransUnion and Experian both correctly show the payment as on time. 
Equifax incorrectly reports this payment as 30 days late. 

XX/XX/year> : TransUnion and Experian falsely report the payment as 30 days late. 
Equifax reports the payment as 60 days late. 

These entries are inaccurate and misrepresent my actual payment behavior. I have never been late on this account. I'm aware consumer reporting agencies are legally required to follow reasonable procedures to ensure the maximum possible accuracy of information they report. The discrepancies Ive outlined above clearly violate this obligation. 

Account XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  ( Second Card ) * * In addition, My second XXXX XXXXXXXX account is also being reported inaccurately and incompletely : Equifax has failed to report this account entirely. 

The month of XX/XX/year> is missing from my report altogether across agencies, which of course is irregular and problematic for maintaining accurate history. 

Most importantly, the payments for XX/XX/year> and XX/XX/year> are being reported as late by both TransUnion and Experian : TransUnion reports XXXX as 30 days late and XXXX as 60 days late. 

Experian reports the same months as 30 and 60 days late, respectively.

Equifax is not reporting anything for this account.

These payment entries are not accurate, and I am asserting again that I did not miss any payments during those periods. The lack of reporting from Equifax and the false late entries from the other bureaus are deeply concerning and are causing unjustified harm to my credit standing.

I am formally requesting the CFPB to investigate both XXXX XXXX accounts and the inaccurate late payment entries outlined above. 

If no such documentation can be provided, I demand that these entries be immediately corrected to reflect on-time payment status. 

I have attached screenshots of my XX/XX/year> credit reports as evidence to support this complaint. The lack of consistency and the misreporting among the agencies demonstrate a failure in maintaining accurate and fair credit reporting practices. 

Thank you for your time, attention, and support in resolving this matter. I respectfully ask for prompt action, as these errors are negatively impacting my financial stability.

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