Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
Formal Dispute of Inaccurate Payment History Reporting Account with XXXX XXXX XXXX ( Account # XXXX ) I am writing to formally dispute inaccuracies reflected in my credit report regarding the payment history for my account with XXXX XXXX XXXX ( Account # XXXX ). Upon reviewing the payment history section, I have identified several inconsistencies that require correction to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX ( a ) ( XXXX ), which mandates accurate reporting of information by furnishers. 

Discrepancies Identified : XXXX. Incorrect Delinquency Timeline for XXXX My account reflects 90 days late for XXXX through XX/XX/XXXX, followed by XXXX days late from XXXX to XX/XX/XXXX, with an escalated XXXX late status reported in XX/XX/XXXX. 
If partial payments were made during this period, the delinquency timeline should have been reset, preventing such an extended period of XXXX day delinquency. I request a review of the payment records to verify whether payments were applied correctly and if the timeline should have been reset. 
XXXX. Extended Late Reporting Beyond StandarXXXX Timeframes The payment history shows that the account remained in a late status beyond XXXX  days without reflecting a charge-off or alternative status. Typically, after XXXX  days of delinquency, accounts are charged off, transferred, or otherwise reclassified. I request clarification on the continued late payment reporting past standard timelines. 
XXXX. Inconsistent Reporting in XXXX and XXXX Multiple months in XXXX are marked as ND ( XXXX XXXX ), suggesting a lack of reported information during this period. If payments were missed or late, those months should reflect the appropriate status. Additionally, inconsistent or missing data from XXXX further contributes to an inaccurate representation of my payment history. 
XXXX. Potential Misalignment of Percentage Paid vs. Remaining Balance The account reflects that 92 % of the balance is paid off, yet the remaining balance and payment history suggest otherwise. A full review of payments and balance calculations is requested to confirm accurate reporting. 
XXXX. Inconsistent Payment History Across Bureaus Experian and XXXX report frequent late payments through XXXX and early XXXX, while XXXX shows on-time payments for nearly all of XXXX and XXXX. 
Experian shows late payments well into XXXX even though XXXX marks these months as current. 
XXXX indicates payments as current for nearly all of XXXX, conflicting with Experians and parts of XXXX data. 
XXXX. Discrepancy in Worst Payment Status XXXX list the account as Current as of XX/XX/XXXX, while Experian still lists a XXXX past due status as recently as late XXXX. 
XXXX. Balance and Status Reporting All three bureaus show a current balance of {$1100.00}, suggesting recent payment activity and the loan nearing completion. 
XXXX and XXXX confirm the account is current, but Experian still marks it as Potentially Negative without updated status information. 
XXXX. Missing or Misdated Payments XXXX reports on-time payments for XXXX through XXXX, but Experian and XXXX show no payments or late payments for the same period. 

Requested Actions : Conduct a Full Investigation : Review the complete payment history and account records to validate whether the late payment escalations and reported status are correct. 
Correct Any Inaccuracies Identified : Update the delinquency timeline, payment history, and status where appropriate to ensure alignment with accurate payment information. 
Provide Documentation : Supply a detailed breakdown of the applied payments and any adjustments that may have impacted the reported payment history. 

Additionally, with my loan end date approaching and the account nearly paid off, I would like to resolve these reporting issues promptly to avoid any further damage to my credit profile. Ensuring accurate reporting before the account is marked as paid in full is critically important to me. 

Under the FCRA, I request that this investigation be conducted promptly, and any corrections be reflected in my credit report within XXXX  days. I am attaching a copy of my credit report highlighting the discrepancies for reference. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the necessary corrections have been made.

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