Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
day late is chronologically impossible The XXXX payment was due XX/XX/year>. The vehicle was repossessed XX/XX/year> which is only 27 days later. Under Metro 2 and FCRA : > A 30-day late can not be reported until 30 full days have passed. Therefore : The 30-day late is premature The delinquency was impossible The reporting fails FCRA 607 ( b ) maximum possible accuracy Verification by XXXX is invalid -- - III. Requested Corrections I request that Experian : XXXX. Delete the XX/XX/year> XXXX late XXXX. Delete any past-due balance XXXX. Correct status to Current / Never XXXX XXXX. Remove all derogatory remarks tied to this false delinquency XXXX. Reinvestigate using the enclosed evidence -- - XXXX. Enclosures XXXX email ( XX/XX/year>, XXXX XXXX  ) Payment proof Extension confirmation Timeline showing only 27 days passed Prior CFPB complaint & XXXX inaccurate response Please complete the reinvestigation and provide written results. Sincerely, XXXX XXXX XXXX -- - XXXX. UPDATED XXXX DIRECT FURNISHER DISPUTE ( FCRA 623 ) Mail to : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX -- - FORMAL DIRECT DISPUTE FCRA 623 ( a ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX Date : XX/XX/year> XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Re : Direct Dispute of Inaccurate Credit Reporting New Evidence Account : XXXX To Whom It May Concern : I am disputing inaccurate information XXXX XXXX is furnishing to the credit bureaus. Two separate violations now exist : -- - I. Contradiction From XXXX Own Representative Your written CFPB response stated that the 30-day late was valid because the extension was applied after delinquency. However, your representative XXXX emailed me on XX/XX/year> at XXXXXXXX XXXX confirming : > Your missed XX/XX/year> payment has been deferred to the end of the loan, so your account is current. This contradicts your CFPB response and proves the delinquency did not exist. -- - II. The 30-day late is chronologically impossible XXXX payment due : XX/XX/year> Vehicle repossessed : XX/XX/year> ( only 27 days later ) By definition : XXXX A 30-day late may only be reported after 30 full days have passed. Therefore : The 30-day late never existed The reporting is false The negative information is unverified The claim made to the CFPB was inaccurate -- - III. Required Action Under FCRA 623 I request XXXX : 1. Conduct a lawful reinvestigation 2. Correct all inaccurate reporting 3. Delete the XX/XX/year> XXXX late 4. Delete any past-due amount 5. Correct the account to Current / Never Late 6. Send corrected data to all credit bureaus 7. Provide written confirmation of the update -- - IV. Evidence Enclosed Email from XXXX ( XX/XX/year> ) Extension documentation Payment proof Timeline analysis showing 27 days, not 30 Copy of XXXX inaccurate CFPB response Please complete the reinvestigation within 30 days as required. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, Thank you for letting me know the {$50.00} commitment payment was made on XX/XX/XXXX. I've confirmed the payment has now posted, and I was able to finish processing the extension for you today. Here 's a quick recap : Your missed XX/XX/year> payment has been deferred to the end of the loan, so your account is current. Your regular monthly payment of {$430.00} resumes on XX/XX/year>. You can view the updated schedule at any time by logging in to MyAccount. If you have any other questions or need assistance, just let me know-I 'm happy to help. Best regards, XXXX XXXX XXXX, XXXX XXXX XXXX Reply Forward... 

Attachments

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