Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion, Experian, and Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The credit report for XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as shown in Equifax ) * *, reflects a 30-day late payment in the 7-year history section for TransUnion, Experian, and Equifax. However, the detailed two-year payment history for all three bureaus shows only " OK '' ( on-time ) marks for every month, including most recently XX/XX/XXXX, contradicting the late status indicated elsewhere in the report. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness and do not reflect the actual payment performance on this account.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments may also constitute a misrepresentation of my account status, which is prohibited under the FDCPA.

Truth in Lending Act ( TILA ) Violations : These reporting practices also raise concerns under TILA, which requires truthful and accurate reporting of credit information, including proper billing disclosures under 1637 ( b ) and delivery of statements at least 21 days prior to the due date under 1666 ( b ).

Additionally, the FCRA, specifically 15 U.S.C. 1681i and 1681s-2, mandates that credit reporting agencies and furnishers correct any inaccurate or incomplete information and ensure the maximum possible accuracy of consumer credit reports. Moreover, Sections 1681n and 1681o establish civil liability for willful and negligent noncompliance. 

Account Summary from Report ( XXXXXXXX XXXX XXXXXXXX ) : Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Equifax ) Balance Owed : {$490.00} Payment Amount : $ XXXX Last Payment : XX/XX/XXXX Payment Status : Current Status Reported as of : XX/XX/XXXX ( Experian ), XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Equifax ) Credit Limit : {$500.00} Reported Late Marks : 30 Days Late in 7-year history across all three bureaus Monthly Payment History : Shows consistent OK status from XXXX through XXXX ( including all months shown ) Requested Resolution : I request that TransUnion, Experian, and Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. These entries contradict the two-year payment history, which reflects 100 % on-time payments. I ask that these records be updated to accurately reflect the true payment history of Paid As Agreed Never Late.

Please provide written documentation confirming the removal or correction of these entries within 30 days of this complaint submission. Failure to resolve this issue in a timely and compliant manner may result in escalation through formal regulatory channels to protect my consumer rights.

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