Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment Reporting XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX SSN : XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), regarding the inaccurate reporting of late payments on my Avant/WebBank account ( Account # : XXXX ). I am not disputing the ownership of the account only the late payment notations reported for XXXX, XXXX, and XX/XX/XXXX, reflecting 30, 60, and 90 days delinquent, respectively. 

I respectfully request that these late payment entries be deleted for the following reasons : 1. Lack of Verification Under FCRA 1681i ( a ) ( 5 ) ( A ), if you are unable to verify these late entries with factual and original documentation from XXXX, you must delete the negative marks immediately and replace with " pays as agreed '' 2. Method of Verification Request ( Only If Verified As Accurate ) In accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I request a full procedural description of how these late payments were verified, including all supporting documentation from the data furnisher. Generic or boilerplate responses will not fulfill this obligation.

3. Inconsistency and Accuracy Concerns There are conflicting data points among the three credit bureaus regarding this account, raising serious concerns about data accuracy and possible re-aging. Below is a summary of key discrepancies : - Account Number : TransUnion reports as : XXXX Experian & Equifax report as : XXXX - Account Type : TransUnion & Equifax : Revolving Experian : Credit Card - Scheduled Monthly Payment : TransUnion & Equifax : {$36.00} Experian : {$25.00} - Reported Balance : TransUnion & Equifax : {$310.00} Experian : {$280.00} - Terms / No. of Months : TransUnion : Blank Equifax : Monthly ( due every month ) Experian : Revolving - Payment Status : TransUnion : Paid or Paying as Agreed Experian : Current, was Past Due 90 Days Equifax : Pays Account as Agreed - Date Last Reported : TransUnion XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX - Date of Last Payment : TransUnion XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX - Late Payment History : TransUnion & Experian : Late : XX/XX/XXXX ( XXXX ) Late : XX/XX/XXXX ( XXXX ) Late : XX/XX/XXXX ( XXXX ) OK XXXX XXXX Equifax : Same lates as above OK XX/XX/XXXX, blank XXXX XXXX These discrepancies show significant variation in the reporting of account details and payment history, violating FCRA XXXX ( b ), which requires consumer reporting agencies to follow procedures to ensure maximum possible accuracy of the information they report. 

XXXX. XXXX XXXX XXXX affirmed in XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), and XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), credit reporting agencies and furnishers are obligated to conduct meaningful, independent reinvestigations not merely rely on automated verification systems. 

If these entries can not be fully verified with original, date-stamped records, I request their deletion and the update of this account to reflect a status of Pays as agreed. 

Procedural Request ( if verified as accurate ) : If you verify the late payments as accurate, I formally request a full procedural disclosure as outlined in FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), including the method, sources, and documentation used in the verification process.

Please conclude your reinvestigation within 30 days of receipt of this letter and notify me of the results in writing. Failure to comply may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory bodies. 

This inaccurate reporting has caused measurable harm to my credit score and may affect my ability to secure future credit, housing, or employment. I respectfully request your immediate attention and legal compliance in resolving this matter. 

Supporting Documentation Summary Attached to this dispute are the following documents for your verification and consideration : - Government-Issued Identification A clear image of my valid passport to confirm my identity. 
- Proof of Address A recent utility bill and lease agreement showing my current residential address. 
- Highlighted Inconsistencies A marked summary of the inaccurate and conflicting information reported across TransUnion, Experian, and Equifax concerning the XXXX account. 

These materials support my position and help illustrate the discrepancies I am disputing. I respectfully request that these supporting documents be reviewed carefully and used to guide a proper reinvestigation and resolution under the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX 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