Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am filing this complaint because all three credit bureaus continue to report false and damaging late payment information tied to several of my accounts, despite the fact that these accounts are either open and current or fully paid and closed with no past due balances. Specifically, the accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing an alleged late payment on XX/XX/XXXX while the account is still listed as open and current with no past due balance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reflecting an inaccurate late payment on XX/XX/XXXX even though it is reported as open and current with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) wrongly showing a late payment from XX/XX/XXXX despite the fact it is paid and closed with a XXXX balance and no delinquency, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late mark on an account that was also paid in full, closed properly, and with no past due balance whatsoever. These accounts should not carry late payment histories under these conditions, yet the bureaus are reporting them as though I were delinquent. 

This is not only misleading but an outright violation of the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), each consumer reporting agency is obligated to maintain maximum possible accuracy when preparing credit files. False late payments on accounts that are open and current, or closed and fully satisfied, are the very definition of inaccurate reporting. Additionally, under 15 U.S.C. 1681i, when I file a dispute, the bureaus are legally required to reinvestigate and either verify the accuracy of the disputed information or delete it if it can not be verified. Passing along the same flawed information from furnishers without demanding real proof is not a reinvestigation ; it is negligence. By leaving these late payments on my record, the bureaus are disregarding their statutory duty to ensure accuracy and are causing tangible harm to my financial reputation.

The personal impact of these errors is severe. Because of these false late marks, I have had difficulty securing favorable lending terms, been forced into higher interest rates, and had my credibility questioned by lenders and financial institutions. I am being penalized as if I were irresponsible when, in fact, these accounts reflect responsible handling. Beyond the financial harm, the stress of repeatedly disputing and being ignored has taken a toll on my peace of mind. Each time I see these incorrect marks on my report, I feel the weight of being unfairly judged for something I did not do. The law is designed to prevent exactly this kind of harm, yet the bureaus failure to comply with their obligations under the FCRA has left me carrying the consequences.

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