Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
Subject : Demand for Immediate Removal and Correction of Inaccurate Late Payment Reporting XX/XX/XXXX and Address Discrepancies I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of the three major credit bureaus ( Experian, Equifax, and TransUnion ) to resolve discrepancies in the reporting of a late payment for XX/XX/XXXX on my credit reports, as well as multiple address discrepancies related to the creditor reporting the late payment. 

Despite numerous previous attempts to resolve this issue, the credit bureaus have failed to correct the inaccurate information and have caused ongoing harm to my creditworthiness. The inaccurate reporting and failure to correct the information are in violation of the Fair Credit Reporting Act ( FCRA ), and I request that immediate action be taken to correct and remove the disputed information from my credit reports. 

1. Inaccurate Late Payment Reporting : - Equifax reports the late payment as 60 days past due for XX/XX/XXXX. 
- Experian and TransUnion report the late payment as 30 days past due for XX/XX/XXXX. 

The conflicting late payment statuses across these three credit bureaus indicate inaccurate reporting. I request that you immediately investigate and remove the inaccurate late payment from my credit report, as this entry is inconsistent, unverifiable, and harmful to my credit score. 

Under FCRA 1681i, information that is inaccurate, incomplete, or can not be verified must be corrected or removed. This late payment entry is incorrect and does not reflect my true payment history, and it must be removed from my credit report. 

2. Discrepancies in Creditors Mailing Address : - Experian and TransUnion report the creditors address as XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 
- Equifax lists the address as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 

There is a clear discrepancy in the reported creditor addresses between the three bureaus, which further suggests that the information being reported is incorrect. I request that you verify and correct the mailing address for the creditor to ensure that it is consistent and accurate across all credit bureaus. 

3. Failure to Correct Past Disputes : Despite my previous efforts to dispute these inaccuracies directly with the credit bureaus, the issues remain unresolved, and the incorrect information continues to be reported. These failures to correct the information violate my rights under the FCRA, which mandates that consumer reporting agencies take reasonable steps to ensure the accuracy of the data reported. 

Requested Action : I demand the immediate removal of the inaccurate late payment entry from my credit reports, as well as the correction of the discrepant creditor addresses. I expect that the bureaus will comply with their obligations under the FCRA to correct or remove the disputed entries and provide me with updated copies of my credit reports reflecting the corrections. 

The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ( last four digits only ) Date Opened : XX/XX/XXXX Disputed Late Payment : XX/XX/XXXX I am submitting the following supporting documents with this complaint : Credit Reports from Experian, Equifax, and TransUnion highlighting the discrepancies in late payment reporting and addresses.

Drivers License for identity verification.

Social Security Card for identity verification.

Proof of Address ( e.g., utility bill, bank statement ). 

If these issues are not resolved within 15 days from the date of this complaint, I will take further action, including pursuing a formal complaint with the FTC and legal action under the FCRA for willful violations. 

Please acknowledge receipt of this complaint and inform me of your intended actions. I request a response within the timeframe specified by law. Thank you for your prompt attention to this matter.

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