Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, MN XXXX Formal Dispute and Request for Immediate Correction of Inaccurate Credit Reporting Account Identification Number : XXXX To Whom It May Concern, I am submitting this formal dispute to XXXX XXXX XXXX XXXX in conjunction with a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) previously regarding inaccurate and damaging credit reporting tied to my account. 

On XX/XX/XXXX, I initiated a payment in the amount of {$220.00} from my XXXX XXXX XXXX Account ending in XXXX toward my XXXX XXXX XXXX. This account was active, well-funded, and in good standing at the time of the transaction. A formal letter from XXXX is attached, confirming that the payment was made and that the failure to post the transaction resulted from a processing error on the banking network side, not from any action or error on my part. 

Despite my timely effort to satisfy my account, XXXX XXXX XXXX XXXXXXXX reported a late payment for XX/XX/XXXX, which remains on my credit report and continues to negatively affect my credit standing. 

Additionally, I was inaccurately reported as late in XX/XX/XXXX. Although this reporting was later corrected, it resulted in a credit score drop of over XXXX points, which has not been restored. This unjustified damage has interfered with my ability to secure a mortgage loan, despite maintaining a responsible credit history across multiple accounts. 

Importantly, I have since paid off the entire balance of this credit card as of XX/XX/XXXX, reaffirming my financial responsibility and good faith effort to maintain my account in excellent standing. This is truly hurting my credit and I am unable to finalize the purchase of my new home because of this error. 

Accordingly, I respectfully request the following corrective actions : The immediate removal of the late payment entry for XX/XX/XXXX from all credit reporting agencies, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates the reporting of only accurate and verifiable data A full internal review of my account and written confirmation that no other derogatory information remains associated with it Notification to Experian, XXXX, and XXXX  reflecting updated and accurate account status. 

I would also like to note that XXXXXXXX XXXX XXXX XXXXXXXX has faced similar complaints in the past regarding late payment reporting and account handling issues, as documented in CFPB complaint data. These patterns suggest a need for systemic review and accountability. 

Please consider this a formal dispute under federal law and respond within the FCRAs 30-day dispute resolution timeline. 

Sincerely, XXXX XXXX

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