Consumer complaint received 2024-02-05 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: MA

Complaint narrative:
Dear XXXX Customer Service, Attn CFPB and All three Major Credit Bureaus I hope this letter finds you well. I am writing to address a persistent issue regarding the reporting of a late payment on my credit profile by XXXX. Despite numerous attempts to rectify this matter, the erroneous late payment continues to negatively impact my creditworthiness. 

I have been a loyal customer of XXXX for about 10 years, and I value our relationship. However, I have encountered an ongoing issue with my credit report that requires immediate attention. The issue revolves around a reported late payment that is inaccurately attributed to my account. I have made several calls to your customer service department to address this issue, and while your representatives have been helpful in temporarily removing the late payment from my credit report, it reappears after a certain period. 

This recurrent problem has been both frustrating and detrimental to my financial standing. I have diligently made my payments on time, and it is disheartening to see my credit score suffer due to a chronic mistake on XXXX 's part. As a responsible borrower, I believe I deserve accurate reporting and fair treatment when it comes to my credit profile. 

I kindly request that XXXX take immediate action to permanently remove the incorrect late payment report from my credit profile. It is crucial to rectify this situation to prevent further damage to my credit history. 

I am aware that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of information reported by creditors, and I trust that PrimeLending will adhere to these guidelines by promptly addressing and correcting this issue. 

I kindly ask for a written confirmation of the removal of the incorrect late payment from my credit profile within 30 days of receiving this letter, as required by the FCRA. Additionally, please provide me with the contact information of the individual or department responsible for overseeing this correction to ensure effective communication regarding its resolution. 

I believe in the importance of maintaining a positive and productive relationship with XXXX, and I am confident that we can resolve this matter amicably. Your prompt attention to this request is greatly appreciated, as it will allow me to regain confidence in the accuracy of my credit report and ensure the fair representation of my credit history. 

Should you require any further documentation or information from my end, please do not hesitate to contact me at your earliest convenience using my supplied identifying information. I look forward to your prompt response and a swift resolution to this issue. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 non-monetary relief