Consumer complaint received 2025-03-23 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX  - XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXXXXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal.

Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : XXXX. Unknown third parties gained access to my financial login credentials. 
XXXX. My automatic payment settings were altered without my knowledge. 
XXXX. This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. 
Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. 
The late payments in question do not meet verification requirements due to the nature of the incident. 
Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : XXXX. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference. 
XXXX. A written confirmation verifying that these late payments have been removed. 
XXXX. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience

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