Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I am writing as a consumer who has carefully reviewed my Experian credit report and identified inaccurate reporting that is harming my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, I have the right to dispute inaccurate information and to have disputed accounts reinvestigated to ensure maximum possible accuracy. The information I am disputing is detailed below. 
Regarding my second XXXX XXXX XXXX account ( Account XXXX XXXX  ) opened on XX/XX/XXXX, Experian reports that the account is open with a balance of {$720.00} and a credit limit of {$800.00}. While it shows that the account is currently in good standing, it is also marked as having been past due 30 days in the past, and currently includes a dispute comment : Account information disputed by consumer under the Fair Credit Reporting Act. I want to clarify that this account has been actively used and managed responsibly. The entire 24-month payment history reflects on-time payments, and I have continued to make timely payments up to the most recent date listed ( XX/XX/XXXX ). Any past due information appears to be outdated or incorrect. Im requesting that Experian thoroughly investigate and correct any negative notations unless fully verified with clear supporting documentation. My consistent payment history clearly demonstrates responsible credit usage and a strong commitment to fulfilling my obligations. 
On my Experian credit report, my XXXX  XXXX XXXX account opened on XXXX XXXX XXXXXX/XX/XXXX ( Account XXXX XXXX  ), is listed as a revolving credit card account with a current balance of {$870.00} and a credit limit of {$900.00}. While I appreciate that the account is shown as open and current, the report also mentions that I was past due 30 days three times. This is concerning because the payment history shows 24 months of consistent, on-time payments, with no indication of late activity for the entire span displayed. I have always made sure to pay this account as agreed, and my personal records do not reflect any missed or late payments. If there were prior delinquencies, they are either inaccurate or already resolved and not reflective of my long-term payment behavior. This account has been in good standing for years, and I respectfully request that any mention of past due activity be re-evaluated and corrected if unverifiable, in accordance with the Fair Credit Reporting Act 1681e ( b ), which mandates the maintenance of maximum possible accuracy. 
I am demanding that Experian reinvestigate the reporting of this account and correct any inaccurate information, including but not limited to late payments, incorrect account status, or erroneous balance reporting.

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