Consumer complaint received 2025-11-17 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: MA

Complaint narrative:
I am writing to REQUEST FOR REINVESTIGATION of several inaccurate or potentially unverifiable items currently being reported on my Experian credit file. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], which gives me the right to dispute information I believe is inaccurate, incomplete, or not properly verified. 
Below are the accounts and specific items I am disputing : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Account no : XXXX Opened XX/XX/XXXX Reported 30-day late in XX/XX/XXXX I do not recall missing a payment for this date. Please validate this late mark using actual billing and payment history. 
XXXX XXXX Account no : XXXX Opened XX/XX/XXXX Reported XXXX late in XX/XX/XXXX Payment may have been made within the grace period. Please confirm actual due and posting dates. 
XXXX XXXX Account no : XXXX Opened XX/XX/XXXX Reported XXXX lates in XXXX and XX/XX/XXXX These entries do not reflect my payment behavior. Please provide supporting documents showing payment history. 
XXXX Account XXXX : XXXX Opened XX/XX/XXXX Reported 30-day late in XX/XX/XXXX and 60-day late in XX/XX/XXXX I dispute the accuracy of this timeline. Please provide documentation showing due dates, payment dates, and when the delinquencies were reported. 
XXXXXXXX XXXX XXXXXXXX XXXX Account no : XXXX Opened XX/XX/XXXX Reported 30-day lates in XX/XX/XXXX and XX/XX/XXXX These may be due to processing or communication delays. Please verify and provide payment logs. 
XXXXXXXX XXXX XXXXXXXX XXXX Account no : XXXX Opened XX/XX/XXXX Reported 30-day late in XX/XX/XXXX I dispute this entry. Please confirm whether this account and the one above are being duplicated, and validate using Metro 2 standards. 
XXXX OF XXXX Account XXXX : XXXX Opened XX/XX/XXXX Reported XXXX late in XX/XX/XXXX and XXXX late in XX/XX/XXXX These appear inaccurate. Please provide documentation, including billing notices and grace period application. 
XXXX Card Account no : XXXX Opened XX/XX/XXXX Reported 30-day late in XX/XX/XXXX I dispute this entry. Please confirm when the payment was due and when it was received. 
XXXX Card Account no : XXXX Opened XX/XX/XXXX Reported late as follows : 60 days late in XXXX XXXX  90 days late in XXXX XXXX 120 days late in XX/XX/XXXX and XX/XX/XXXX XXXX OF XXXX Account no : XXXX Opened XX/XX/XXXX Reported 30-day late in XXXX, XX/XX/XXXX and XXXX late in XX/XX/XXXXXXXX XXXX XXXX 90 days late XX/XX/XXXX to XX/XX/XXXX These appear inaccurate. Please provide documentation, including billing notices and grace period XXXX XXXX XXXX Account no : XXXX Opened XX/XX/XXXX Reported 30-day late in XX/XX/XXXX. I was never been late and this is inaccurately reported, please remove the late payment immediately.

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