Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint because Experian, along with the data furnisher ( XXXX ), continues to report inaccurate and unverifiable late payment information on my credit file despite multiple formal disputes and prior CFPB complaints.

The account ( s ) at issue are currently reported as open and active, yet Experian is displaying isolated late payment notations that are not supported by the overall payment history, account status, or any documented delinquency progression. The reporting shows sporadic 30-day late markers without any corresponding sustained past-due balance, charge-off activity, or consistent delinquency pattern. This creates an internally inconsistent and misleading representation of my actual payment behavior. 

I have previously disputed these late payments directly with Experian and the furnisher, including submitting identity verification and supporting documentation. In response, Experian has repeatedly claimed the information was verified, yet no competent evidence has ever been provided. At no time has Experian or the furnisher produced : Billing statements showing a valid billing cycle Contractual due dates tied to the alleged late months Proof of when payments were received versus credited Delinquency calculations explaining how any payment was determined to be late Verifying an account through automated system responses or furnisher confirmation alone does not satisfy the Fair Credit Reporting Acts requirement for a reasonable reinvestigation. Confirming that an account belongs to me does not establish that the payment history is accurate.

Under FCRA 611 ( a ) ( 1 ) ( A ) and 607 ( b ), Experian is required to conduct a reasonable reinvestigation and maintain maximum possible accuracy. Additionally, under FCRA 609 ( a ) ( 1 ), I am entitled to disclosure of the actual method and documentation used to verify disputed information. Experian has failed to meet these obligations.

Further, reporting a payment as late without substantiating the billing cycle, due date, and payment application violates the Fair Credit Billing Act ( 15 U.S.C. 1666 ). A creditor and reporting agency can not lawfully report a late payment unless they can demonstrate, with documentation, that a payment was due, unpaid, and properly applied late. No such documentation has been produced. 

The late payment reporting is also inconsistent across credit bureaus, further demonstrating that the data is unreliable and not being reported in accordance with Metro 2 accuracy standards. This inconsistency confirms that the information is at best unverifiable and at worst inaccurate.

Despite being placed on notice multiple times including through prior CFPB complaints Experian continues to publish the same disputed late payment data without correction. Continued reporting after notice constitutes negligent and potentially willful noncompliance under 15 U.S.C. 1681n and 1681o.

These inaccurate late payments have caused real harm, including damage to my credit profile, reduced creditworthiness, and unnecessary obstacles to obtaining favorable credit terms. I have exhausted all reasonable dispute avenues and am now requesting regulatory intervention.

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